 is that yeah it is brilliant okay so for those of you can see it's basically a guy and he's explaining the fact that hey it you know mortgage loans make sense i mean it's a it's a it's an asset that's going up in value people are willing to pay it's a you know a low interest rate you know depending on we ask but with cars they the idea that what we did the same thing with cars nobody would want to do that it's a depreciate it's a depreciating asset and why would they want to spend more in interest payments