we receive from you.</p> <p> <strong>current value:</strong> the London metal market value of the metal content of the relevant <em> <strong>goods</strong> </em> as at the time of loss, damage or theft, plus the percentage premium that you paid when you purchased those <em> <strong>goods</strong> </em> from us.</p> <p> <strong>default or problem</strong>: if there is a <em> <strong>material breach by you</strong> </em> under the <em> <strong>contract</strong> </em>, or any <em> <strong>insolvency</strong> </em>on your part or as otherwise specifically identified in the terms and conditions.</p> <p> <strong>goods</strong>: a specific type or category of goods as described in the <em> <strong>order</strong> </em>.