 like i said losing even more income than you need money right because if you get five percent on a million you've got fifty thousand of income if you drop to eight hundred thousand you might think five percent of eight hundred thousand is 40 grand but it's not the whole story because interest rates are dropping because we're in a recession you might only get four percent so now you're a lower percentage of a lower dollar amount it's not 40 it's probably 30 right right and that's the key yeah so to me it all goes back to