Contrary to film production in the United States, which was dominated by major studios with little or no use for completion bonds, overseas producers were truly independent and usually dealt with several outside sources of financing. Thus, the need for completion bonds arose to protect investors' interests. The completion bond is the final step a producer takes after complete financing, casting, staffing, production arrangements, pre-sales, and distribution agreements, if applicable, are all in place. If a picture is completely privately financed or if none of the investors or lending parties requires a completion bond, the producer need not acquire one. Generally, a picture can be safely produced with an appropriate and adequate film insurance package, general contracts, and a competent staff and crew. The completion bond company has the right to ask the producer to hire additional production personnel, if it deems it necessary to guarantee the completion and delivery of the film.