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next up we have Miss friedicia she is going to explain to you the money part the very important part and the first part of any home buying purchase because without the money were not buying anything this is true thank you Jane thank you and thank you for this awesome opportunity to be with you guys this morning I am friedisha pradisha money Im with Fidelity direct and Ive been in the business possibly longer than some of you are living but dont hold that against me I started long before child labor laws came into existence and I totally totally enjoy what I do Im very passionate about it as Bonita mentioned she is because I believe that everybody deserves a piece of the rock everybody that wants to own their own home should and more importantly should understand the financing piece so that they can maintain their home when I started in this business interest rates were in excess of 18 so when they look at me today and say seven percent Im like would you like 18. but that being sa