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[Music] either this is Jonathan Ginsberg and Id like to talk to you about the importance of knowing the exact balances in your checking and savings account as of the day you found bankruptcy what this came about I was in bankruptcy court today and I had a little time I was watching I got there early I was watching some hearings I just thought you know let me see what are problems that are popping up and hearing after hearing and I watched a bunch of hearings with a couple of chapter 7 trustees I started seeing some patterns and I want to make sure that my clients dont have these problems and I want to make sure you dont have neither and one of the issues that was popping up was I had to do with the balances in a checking account so for example if you filed a bankruptcy on lets just use a date February 28th or March 31 or April 30th maybe thats pay day the day you file bankruptcy perhaps your paycheck hit well your bank account instead of having $10 in it maybe has $2,300 in it you