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foreign Jan is with us in Delaware hey Jen whatamp;#39;s up hi Dave thanks for taking my call sure how can I help my husband and I are doctors of physical therapy with 17 years experience and we opened Our Own Private Practice in July of 2019. we started with one location with just the two of us and we now have two locations seven full-time employees and a couple part-time college student employees wow our plan is to grow to four Clinic locations but since we are an insurance-based company itamp;#39;s been very difficult for us to save money to move forward with that because it seems that reimbursements continue to decrease so I was curious if you had any suggestions on how we could maybe budget better for growth when our reimbursement is unpredictable seems to always decrease and can be delayed sometimes weeks or months from the time of service decreased you mean theyamp;#39;re paid you less yes well at what point do they pay you little enough that you no longer deal with them well