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amazing so Nicole what would you like to share what have you experienced and I mean Iamp;#39;m sure youamp;#39;ve seen lots of things so Iamp;#39;ll tell you one I was called in a client with a bank I worked in public accounting and they were one of my clients one of my internal controls clients and they had suspicions of a fraud and called us in to go in and take a look at it and so the lady who was committing the fraud worked on the front line she was a teller and one of her clients had a line of credit so on a line of credit with a bank you donamp;#39;t always have to make payments it depends on the terms so you donamp;#39;t always have to make principal and interest you kind of make it whenever you feel like it maybe once a quarter whatever the terms might be yeah so on this particular line of credit they didnamp;#39;t have to pay at any certain time and they can kind of just pay whatever they want the thing that was taking place was that the teller ordered checks aga