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that a little bit of signal issues this morning I can switch to my it is on the Wi-Fi anyway happy holidays lets get it done so were talking about foreign exchange settlement and clearing today and I want to sort of explain the way that works so obviously with any trade you have to have two counterparties someones trading with someone else obviously right so if we say on this side we have one counterparty again thats an entity individual someone who wants to a treat this individual has something they want to get rid of or sell or they have something they would like to acquire doesnt really matter which side they are on good mad that the bottom line is they want to do a trade right if Im gonna give and youre gonna take if Im gonna take youre gonna give right so it always has to be another person think about its like a normal transaction right if youre selling your shoes right you gotta be a seller you have the shoes you want to get rid of and it needs to be someone who wants