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good morning everybody okay so i know uh last week i said we were going to look at disclosures but um based on the questions and the issues that ive dealt with this week what we are going to talk about is the addendums um amendments the ancillary forms that you guys should be using with your offers and with your contracts and with your transactions so i want to get you guys clear on using the right forms and why we use them but while were waiting for people to jump on anybody have any questions i dont know why i even asked that because nobody has any questions ever until you need me then youre standing at my desk in a line all right so nothing nothing everything is great for you its been a couple of minutes to go over the phone yeah and maybe we can bring it up about the fha requirement to live in the stove yeah you say my well yeah i mean its like 99 percent of the time its gonna be a requirement just sometimes the look heres what ill tell you about the fha appraisals dont c