---
title: "Berkshire Hathaway Specialty Insurance vs Vouch: D&O Insurance"
description: "Berkshire Hathaway Specialty Insurance describes uncapped investigation coverage, while Vouch places D&O through multiple insurers, including Corix."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-vouch"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "vouch"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Vouch for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Berkshire Hathaway Specialty Insurance versus Vouch. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Berkshire Hathaway Specialty Insurance vs Vouch for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Berkshire Hathaway Specialty Insurance or Vouch?
- What does Berkshire Hathaway Specialty Insurance or Vouch publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from Berkshire Hathaway Specialty Insurance or Vouch?

**Key facts:**
- Line: D&O Insurance. Providers: Berkshire Hathaway Specialty Insurance and Vouch.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Berkshire Hathaway Specialty Insurance vs Vouch](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [Vouch profile](https://spot.insure/insurance-providers/vouch) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Vouch Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Vouch Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Vouch General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Vouch Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Vouch D&O Insurance](https://spot.insure/compare/aig-vs-vouch/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Vouch D&O Insurance](https://spot.insure/compare/alliance-risk-vs-vouch/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Vouch D&O Insurance](https://spot.insure/compare/amelia-risk-vs-vouch/directors-officers) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Vouch: How Do They Compare for D&O Insurance?

Berkshire Hathaway Specialty Insurance describes uncapped investigation coverage, while Vouch places D&O through multiple insurers, including Corix.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Vouch for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Berkshire Hathaway Specialty Insurance describes government investigations, including informal investigations of insured individuals, without sublimits. Vouch is a broker: its D&O placements can include Corix, whose management-liability product protects corporate and personal assets against stakeholder, employee, competitor, or regulator allegations. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [11](https://www.vouch.us/technology "Insurance for Technology Companies") [12](https://www.corixinsurance.com/products/management-liability "Management Liability")

## What Is Berkshire Hathaway Specialty Insurance?

BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch")

[Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

## What Is Vouch Insurance?

Vouch suits startups and growing companies that want an online application, advisor-led carrier comparisons and contract-requirement reviews; buyers seeking direct insurer purchase or instant quotes should compare digital carriers. [7](https://www.vouch.us/ "Vouch Homepage") [8](https://apply.vouch.us/ "Start a Vouch Application") [9](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") [10](https://www.vouch.us/services/contract-requirement-review "Contract Requirement Review")

[Vouch profile](https://spot.insure/insurance-providers/vouch)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [14](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [15](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [16](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## Key Differences in D&O Insurance

### What the Published Terms Emphasize

Investigation language is unusually concrete in Berkshire Hathaway Specialty Insurance’s reviewed D&O description. Vouch’s record instead emphasizes the brokerage route and names one program partner; it does not establish that every Vouch placement uses Corix wording. For a company facing regulatory scrutiny, ask whether informal inquiries trigger defense and which Corix or other carrier form applies. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [11](https://www.vouch.us/technology "Insurance for Technology Companies")

### A Second Decision Point

The route to coverage also differs. Vouch directs buyers to an online “Get Started” flow and identifies Corix insurers for that program; Berkshire Hathaway Specialty Insurance’s record describes large commercial and financial firms as target accounts and does not document an online application. That distinction affects the intake process and the likely account fit, not the final terms. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [11](https://www.vouch.us/technology "Insurance for Technology Companies")

## What to Confirm in D&O Insurance Quotes

- Ask Vouch which carrier and form would respond to informal government investigations, and whether the Corix insurer applies. Ask Berkshire Hathaway Specialty Insurance whether your company meets its large commercial or financial account target and how derivative-demand investigation costs are treated. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [11](https://www.vouch.us/technology "Insurance for Technology Companies")

## Offering Details

| Criteria | Executive First D&O Liability Insurance | Vouch Directors & Officers (D&O) Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Vouch is a broker, not an insurer, for D&O coverage. It lists D&O among the core coverages it places for technology clients, and one of its named program partners, Corix, has a dedicated management liability product that includes D&O. [11](https://www.vouch.us/technology "Insurance for Technology Companies") [12](https://www.corixinsurance.com/products/management-liability "Management Liability") (Evidence: Company-reported; scope: Vouch's Technology page and Corix's management liability product page..) |
| Issuing Insurer | Confirm in your quote. | Corix's disclosures say its proprietary products, including its management liability line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded D&O products specifically, not for every Vouch D&O placement. [13](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures") (Evidence: Company-reported; scope: Corix disclosures page..) |
| Who It’s For | The D&O page names large commercial and financial firms as target accounts. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: U.S. target-account description, not a complete eligibility rule or acceptance commitment..) | Vouch markets D&O to technology companies from early-stage through IPO, saying programs are designed to build investor confidence and support long-term growth plans; Corix separately markets management liability, including D&O, to private and small-to-low-middle-market businesses, not only public companies. [11](https://www.vouch.us/technology "Insurance for Technology Companies") [12](https://www.corixinsurance.com/products/management-liability "Management Liability") (Evidence: Company-reported; scope: Vouch's Technology page and Corix's management liability page..) |
| Coverage Features | The U.S. Executive First D&O page describes coverage for government investigations, including informal investigations of insured individuals without sublimits. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: U.S. D&O product-page summary; the actual policy, definitions, exclusions, conditions, insureds, and state forms control..)<br><br>BHSI says its D&O product covers plaintiffs’ attorney fees and costs for shareholder derivative actions and company costs to investigate derivative demands or actions where no demand is made. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: U.S. D&O product-page summary; do not read as all derivative-action costs covered under every issued policy..) | Corix says its management liability coverage is meant to preserve corporate and personal assets against allegations from stakeholders, employees, competitors or regulators, and to fund a defense so leaders and the business can respond to claims without exhausting cash flow, even when a claim is ultimately dismissed. [12](https://www.corixinsurance.com/products/management-liability "Management Liability") (Evidence: Company-reported; scope: Corix's management liability product page; actual insuring agreements and exclusions are set by the issued policy..) |
| Limits and Retentions | Confirm in your quote. | Neither the Vouch nor the Corix pages publish D&O policy limits or retentions. [11](https://www.vouch.us/technology "Insurance for Technology Companies") [12](https://www.corixinsurance.com/products/management-liability "Management Liability") (Evidence: Not publicly disclosed; scope: Pages checked on 2026-09-23..) |
| Risk Services | BHSI describes full choice of defense counsel for the D&O product. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: Company-reported product feature; applicable policy terms and any state-specific requirements remain controlling..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Corix's management liability product page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. [12](https://www.corixinsurance.com/products/management-liability "Management Liability") [11](https://www.vouch.us/technology "Insurance for Technology Companies") (Evidence: Company-reported; scope: Corix product page and Vouch site navigation..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs Vouch](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Berkshire Hathaway Specialty Insurance vs Vouch Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs Vouch Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/cyber)
- [Berkshire Hathaway Specialty Insurance vs Vouch General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Vouch Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/product-liability)
- [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers)
- [AIG vs Vouch D&O Insurance](https://spot.insure/compare/aig-vs-vouch/directors-officers)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/directors-officers)
- [Alliance Risk vs Vouch D&O Insurance](https://spot.insure/compare/alliance-risk-vs-vouch/directors-officers)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/directors-officers)
- [Amelia Risk vs Vouch D&O Insurance](https://spot.insure/compare/amelia-risk-vs-vouch/directors-officers)

## Sources

### Berkshire Hathaway Specialty Insurance

1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29.
2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28.
5. [Executive First Directors & Officers Liability Insurance](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/). Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19.. Accessed 2026-09-28.
6. [Executive First Private Company Portfolio](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/). Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit.. Accessed 2026-09-28.

### Vouch

7. [Vouch Homepage](https://www.vouch.us/). Vouch; Hero identifying Vouch as an insurance broker; Industries; Services; footer identifying Vouch Specialty and qualifying product availability. Accessed 2026-09-15.
8. [Start a Vouch Application](https://apply.vouch.us/). Vouch; Public first screen: legal business name, website/no-website option, address and location type, applicant role and contact fields, consent, and existing-customer sign-in. Accessed 2026-09-15.
9. [Carrier Options in One Place](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage). Vouch; 26 November 2025: Choice Without the Chaos; Clarity That Builds Confidence; One Relationship, Many Solutions; final producer/underwriting disclosure. Accessed 2026-09-15.
10. [Contract Requirement Review](https://www.vouch.us/services/contract-requirement-review). Vouch; Coverage that keeps your deals moving; Tailored to your contract; Effortless Experience (reviews and COIs). Accessed 2026-09-15.
11. [Insurance for Technology Companies](https://www.vouch.us/technology). Vouch; Core coverages for Technology: ...Directors & Officers (D&O)...; Leadership & Governance Exposure: "D&O programs designed to safeguard personal assets, build investor confidence, and support long-term growth plans."; Blog: Understanding Directors & Officers (D&O) Insurance. Accessed 2026-09-23.
12. [Management Liability](https://www.corixinsurance.com/products/management-liability). Corix Insurance; As regulatory scrutiny, employment-related litigation, and investor activism increase, Management Liability coverage has become essential...; Personal Liability: Business owners often serve as directors or officers and can be held personally liable...; Legal Fees: Even baseless claims can cost tens of thousands of dollars.... Accessed 2026-09-23.
13. [Legal Disclosures](https://www.corixinsurance.com/legal/disclosures). Corix Insurance; Policies are issued by State National Insurance Company (NAIC# 12831) or United Specialty Insurance Company (NAIC#12537).. Accessed 2026-09-23.

### D&O Insurance Guide

14. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
15. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
16. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Berkshire Hathaway Specialty Insurance Reviews

Review Score: not enough ratings.

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews).

## Vouch Reviews

Review Score: 6.6 / 10 from 1 rated source, equally weighted.

Vouch’s four Trustpilot reviews are too few to establish consistent service quality. Ask for references and clarify support after placement.

- Trustpilot: Trustpilot TrustScore 3.3 (5 stars); 4 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Vouch](https://www.trustpilot.com/review/vouch.us)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/vouch/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-vouch/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)