Depends how many hoops you have to jump to make money through these I would guess you know Cash and Carry you know you do your third bidding and you get some kind of a reneumeration or pay off for it some people need the money but depending what's required from you but it's like a lot of things online with this covid not people are just totally abusing everything and a lot of it is sophisticated and well well put together you know a lot of thinking time and all that's put into it to do on Joe ci