 but shouldn't we let like i have no idea how it works in government but i know like if you go to buy a house or whatever one of the things they look at is your debt to income right i mean so maybe we should hold off on borrowing money until you know what i mean to keep to maybe get a better rate because in 2028 i mean rates are still going to be high we're not going to be and i don't know what government rates are but you know the three percent people were paying for a house you don't get that now even with great credit and low debt to income you don't get that anymore um