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hello everybody this is Seth Weissman and welcome to another episode of safe real estate today were going to talk about a change that the gar forms committee made to the financing contingency exhibit for 2023. and as we all know the financing contingency exhibit spells out the terms of the loan that the buyer is going to be applying for and as Ive said many times before those terms need to be spelled out specifically if you leave one of those terms blank or if you fill it in with those awful initials TBD which stand for to be determined we have case law which says that the entire contract may be rendered unenforceable due to vagueness and one of the terms is the interest rate and weve always included a spot where the buyer can specify the interest rate on the loan that they are trying to receive so lets say you fill in seven percent theres been a little bit of confusion over the years because some buyers have taken the position that if they can only get a loan for more than seven