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understand youre all talking about commercial loans when you talk to the commercial division of a bank its a lot its a lot less in a box Ive offered banks for example Id sit with the bank and say so I want to buy this commercial building okay and lets say its 1 million dollars its vacant can you give me a loan what do banks say I mean are sherif come on we dont wanna give you a loan on this one its vacant why dont you get us a letter of intent from a tenant youre with me letter of intent hes a big tenant coming down theyre interested theyre excited they want to give you the loan okay what if you get them a letter of intent but its then they give you the loan and you dont perform what what have you just done fraud this is false falsification of records on a federal application you never do that the Quan guy was telling me you know when I get a commercial loan it doesnt show on my credit if I get to retail building so when I get the next loan Im not gonna tell the ban