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hey everybody Sean Bakowski here hope youre all having a great week as we are what are we middle of April I guess um which I guess means tax time right coming up in a few days here um so put that aside hopefully its you know thats never a fun time but uh this week were going to talk about some things that are going on in the sort of commercial real estate markets and Im sure if youre out there and youve seen this you you see whats going on and theres been you know just uncertainty in the markets and I think for a couple of reasons um we talked about this a little bit I think last week or the week before and one is um the the debt markets have tightened uh because of the sort of uncertainty in in the market in general and in the banking industry I mean things have kind of um gone a little nutty in the banking industry and so uh uh with the foreclosures and and as a result that debt has tightened the credit has tightened in addition to that you have the FED continuing to raise i