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[Music] thank you Brandon so can you tell us a little bit more about the one-time construction loan so the one-time construction loan program that we offer we get we get a client in like were pre-approving them a normal loan but instead of maybe them finding a 100K lot putting 20 down that twenty thousand dollars that they were going to use to to maybe put it on the land theyd be able to qualify the whole construction loan putting the mortgage together and all basically just pre-approve them as normal we make sure debt is denying credit make sure the work history is there and we can close anywhere from 30 to 45 days tops on a normal construction loan you have to then qualify here then we send you to a bank the bank now takes a little bit longer sometimes so it can be another 30 to 45 days and at this point you can be under contract for pretty much like three months before a builder starts kind of calling you hey we need the money or where you at in the process and stuff like that and