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okay hey scott hey leslie how are you i am doing well how are you good oh very good yeah thank uh yeah thank you so much for the opportunity to drop some info on you and your customers and yeah always appreciate the chance to help good yeah so i invited you on here i wanted to ask you to explain more about bridge loans because this is a topic that is coming up more and more so um like first just do you want to introduce yourself and just tell tell people who you are and what you do yeah yeah thank you so much so yeah my name is scott davis im with cross country mortgage and um yeah im a loan officer i guess its you know fancy titles aside but ive been doing this since 1990 and uh you know so ive been through uh this is not my first uh interesting market ive done this for a long time seen lots of different markets uh both up and down and so while each market is you know sometimes a little different a lot of experience in adapting to the markets to serve our customers the best that