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foreign folks welcome back into the seven Financial blind spots were on number five and Prashant this is a big one and this is a controversial one should I or should I not pay my mortgage off early yeah its its an interesting discussion right because everyone has a different opinion on that we see people who love taking the deduction we see people who just dont want to have any kind of debt when they retire its really you know more of an individuals decision I wouldnt say that there is a right or wrong its just differing opinions now lets say that yes because it is a good feeling to have a house paid off yeah and I have a 15-year mortgage myself and I only only awake 11 years now and Im at 2.9 okay which is I got it right at a good point yeah refinanced I did a no closing cost so it didnt cost me any money to refinance down there and Im paying one extra payment every year right so really Ill get that paid off a lot faster than 15 years but really as a planner I am doing t