 blessings have come from that and certainly you know since we have led 15 financial peace university classes we watch the videos 15 times and so um you know just keeping up with that and having a group to walk through that with has been a really crucial part so now the accountability and the open-handedness yeah what about you jacob i think it's a lot of it is not living above your means i mean that we've you know not been in any kind of dire straight situation but we've also not