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hochi recorded live everybody what greetings greetings greetings can you hear me you still have an insect problem heres to having a separate thing bout a new and yet yeah yeah go ahead well helping it well what I wanted to talk today was about mortgages and Truth in Lending Act however from two weeks ago I wanted to offer anyone who had a question two weeks ago and he wasnt permitted to ask if youd like to ask the question first before I get started which you love you know click in and then dont know that you want to ask a question hello can you hear me yeah here you fun did you know that you hear no edit yeah I heard you I just want to tell everybody my I think its a Neela static right not very but I will okay so does anyone have a question that they want to ask before I get started yes not okay so what I wanted to share with you about your mortgage contract besides the fact that you didnt read it the truth-in-lending three-day right of rescission that you