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okay and just in terms of the loans Carl in terms of a little bit of the jargon that comes alongside that so collateral is often a word which is bandied around yeah then along side of that and secured loans and unsecured sore could you just untangle that for us yeah those are horrible words and I remember when I first started working in banking and I ultimately understand I understood what it meant is a definition but I didnt understand what I meant in Parkinsons but to really simplify it you as a customer or collateral to Ibaka you are the holder of the credit agreement with us and what we can do is we can take you and we can make you an asset to a another bank or to another institution that we want to do business with and we can say okay weve got mr. Clark here hes got a mortgage with us weve had him for five years now hes hes moved from a fixed fee to an SBR which Im sure will come back to what SPR is as well but hes a very credit worthy crystalline and hes been paying hi