 you go to the lender you develop the relationship you get capital and then the next time you go back for more capital it's someone new and you got to restart the relationship with them so they never get a chance to know you your vision anything like that first liberty's different they've been making their own lending decisions since the 90s and it's the same family it's the frost family they've been there the whole time so if you're a business and you're building a building or buying a building you need an equipment loan you're buying a franchise you've got a vision you see opportunity