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I I welcome this opportunity to chat with everybody and thank you for taking time out of your evening and giving the old man your ear here is really what what is transpired you know if you look back when you bought a home you went to the bank and you filled out some paperwork and one of the pieces of paper that you signed was your mortgage and it was docHubd and it was recorded with peat birth deeds as Register of Deeds or clerk of County Clerk or whatever okay and the other piece of paper that you set filled out and signed was a promise and lets say you borrowed $400,000 well you signed a piece of paper will you promise to pay that man across the table or his representative four hundred thousand dollars over a period of 30 years or 20 years or whatever the term was but you signed that piece of paper and it was not docHubd but it was like signing a blank cheque but it was a promise of pay which made it a negotiable instrument now when you press when you gave sign that paper you th
