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foreign [Laughter] [Music] no okay well hopefully like to say in this next section will cover the bit where you wont need to worry about them coming to your door so Im going to talk about promissory note this is my design of the promissory note which youve all got in your pack this you can fill in and use to pay off any debt any secured or unsecured debt that includes your mortgage your car finance has anyone tried that sorry Dave yes yeah well yeah they have because theres case law protected here filled it in uh plat limited versus Salim de jar of 1969 under a ruling under Lord Denning it was a very high judge um I dont mean you smoking pot I mean he was a very high up judge uh very well respected law Justice uh hes obviously now dead so his ruling cant I wont be overruled all right is that supposed to be paid out a little trust and as it were right so Ill explain but I mean this is the uh its a good question right whether its paid out your trust because the center gave me