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hello my name is Roxanne Webster I'm one of the owners and partners at my home team at Keller Williams and we've talked about forbearance plans but now as clients are starting to send them to me to look at I want to start discussing some of these with you this first one that we're looking at today is from freedom mortgage this one has got I have I'm gonna have a link in both the YouTube video and in the email where you can review this if you want the things that I do not like about this is what happens at the end of your forbearance plan it says this is a temporary suspension of payments and we will need to work with you near the end of your forbearance plan to find a solution if further says action will be required on your part will make contact with you near the end of the plan to understand your circumstances and work with you to find a solution I don't like this at all this is not telling us clearly whether or not we're going to be required to pay it all at once spread it out over...