 um i know there's a lot of excitement about the fed in september have already forecasted they plan to lower interest rates um a quarter point so it'd be 0.25 how that relates to savings on a mortgage payment it sounds good right a quarter point reduction and we'll take it where we can but i mean we're looking at a savings of anywhere on average between 30 and 50 a month so it's not really going to increase purchasing power or save a whole lot of money much a month