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hey guys this is bill with no dairy coach comment to get out quick few minute break its the last week in a month so its a little bit crazy but last night we had you know it was a full day of signings and the very last signing I had took about triple the amount of time that a normal signing does you know normally Im a standard loan package that could be in and out in 20 to 30 minutes 40 minutes that things go a little slow last night signing took about an hour and a half to complete it was just one single signer what made that one special though is it was a power of attorney situation where a husband has to sign on behalf of his wife as well as himself so it took a lot longer and Id like to tell you a little bit why does this mean anything to you all these letters right here this jumble of letters which is almost an entire full sentence in and of itself its actually the legal way that this gentleman had to initial on behalf of his wife so just to and Im making up the names here bu