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you kind of start to see a pattern and the pattern is there is no pattern if youre catching us on the replay thank you so much for tuning in and hanging out with us im gonna try to calm this guy down when he goes off on a tangent or is so help me out with just say namaste trevor namaste give us a thumbs up because im having a hot flash trying to hold on to winter with my hat and my scarf and my jacket dont give me dead air i get to talk yes oh what happens to betsy what well let me just remind it for those who may not have joined us in the past im usually wearing the regular person business owner hat and trevor is the loan officer with 30 years experience of government loans and guiding clients the first thing on the agenda was the fact that there are no guidelines and let me just tee this up we have seen how some of the reps when you call it seems as though theyre making decisions that weve never heard of in a years time on different things so take it away with some of your in