anchor: we went uh and did a a thing through IBS which is a like a financial consultant  type thing here in Dallas and uh one of the things that we talked about with the counselor there was you know they work up this whole big you know proposal profile for you that every all the things that you need to work on and you need to do and then one of the things that we talked about with her was you know the need to save for our son's education we have a two year old you know and and you know we can't start saving for college when he's sixteen you know we have to do that now and and uh they have a way that they can figure you know what you know and he's two now in sixteen years when he's ready to go to college this is how much it'll cost you know and it's just really scary the thought of how much it's going to it's what it costs now is ridiculous what it's going to cost sixteen years from now is just really scary and they sat down and figured up that we needed to save like fifteen between fifteen and seventeen hundred dollars a year at a oh you know six percent interest rate to be able to have you know money for his college and that's exactly what we have coming out in saving bonds is is you know about fifteen hundred dollars a year so i guess it you know in that way at least we know that that's taken care of you know we we can worry about other things so
positive: We worked with a financial consultant through IBS in Dallas.
negative: The IBS financial consultant we worked with was in Los Angeles.