 um and i don't have any problem with that at all but yeah so all i want to do is get the income up the out go down and that creates the space in between those two things called margin and we throw that margin towards investments and we try to start building an s dig and you know you got 10 years to do it uh if their health holds out if his health holds out but he's not retiring in two years he and you know and they live on social insecurity with no money