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ay-ay-ay it is 12 noon on Wednesday which means its time for this weeks episode of ask the instructor Im John Christmas shows brought to you by the Tampa School of real-estate every Wednesday at 12:00 and eastern time we come to you live to help you understand the technical side of the real estate industry and today were talking about something that seems very technical but its really not that bad and a lot of these numbers make sense when you understand them and thats closing calculations all the documents for the closing disclosure want to be talking about preparations Im commissioned of course because I always have a chance to throw in a little Commission in there so how thatll normally show well talk about the crediting debiting system so that way you understand who gets accredited who gets a debit were gonna be covering stamped taxes the intangible tax just a brief overview of all the different types of calculations that relate to the closing of a transaction so Im exci