Of the clauses that are excluded when a worker earns above the threshold, the overtime clause is the most important. A person cannot become infected by inhaling one or two viruses – he must be exposed to a certain concentration of the virus before he can gain a foothold, although experts are still not sure what this threshold, the so-called infectious dose, is. The agreement was designed by ISDA with much more liberal healing times than is usually the case in other financial contracts, given that its authors considered these to be the unique characteristics of the OTC derivatives market. Traders, however, have begun to limit these healing times. For example, instead of giving a customer three business days to cure a default, merchants limit it to just one. In short, if an employee earns above the threshold, he cannot be forced to work overtime, but if overtime is worked, the worker is not entitled to overtime pay. This is a negotiation – if the employer wants the worker to work overtime, the worker can negotiate for paid overtime. The supply flow diagram shows the purchase thresholds to be met when purchasing goods or services. The distribution of orders to avoid a threshold is not allowed, because the aggregation rule applies: although there are many legal issues regarding the ISDA framework agreement being negotiated, the most likely problems that may concern a smaller customer concern the termination of the contract in case of financial difficulty.