 and october i can reduce it back with the fixed cost i mean fixed rate of four percent i can bring it down to maybe fifty eight hundred fifty nine that's still half of your income you have to sell your house that's still over half your income so it's not going to solve the problem our parameter for housing is twenty five percent of take-home pay and right now you're at sixty percent and you're saying hey one day maybe we can get it down to fifty five it's not going to be a sustainable solution you guys simply have too much house