 you know the bmp piratas anything all these things okay if it goes up it locks in that year it may be over two years and then it can't ever go away but your principal can never go into this thing anyway if you had a hundred thousand dollars the interest on that might be four or five thousand they take that four or five thousand put it in the market next year if the market goes down you still got a hundred thousand if the market goes up you might have a hundred and ten fifteen twenty thirty thousand