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okay I wanted to share a little personal experience to illustrate the concept of time and materials contracts and why they can be a little bit of a dangerous contract when I first moved into this condo I was a little bit freaky about water water from the tap can be quite an ordeal as we all know if you watched erin brockovich so I wanted to get this water filter and I was walking on Koskov and I saw this water filter and obviously its below this thing and on the box it said easy-to-install so I thought well Im not the dimmest bulb around so Ill just take it home and I should be able to figure this out so I got it home and I got about as far as discovering that you have to cut a hole in your metal sink and as I thought to myself I think thats a little bit above where I want to start going because what if I cut the hole too big then I would have this big hole in my sink and Id have to get the whole sink replaced so I because I just moved in I had all kinds of brochures laying aroun