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hey guys welcome back so I just posted that video on deferment with regards to Fannie and Freddie and Im already getting a ton of questions coming from you guys so I thought it would be super helpful to actually docHub out to somebody that knows more about this particular subject hes actually in the trenches you know talking with people from HUD talking with people from Fannie and Freddie and you guys you know youve met his business partner before Josh but this is Scott Chang Scott and Josh are business partners with my wifes mortgage but you know Scott has been around you know this industry and helping the consumer out since you know that the last time we had to go through something similar and what hes done this time is super helpful hes actually created a resource that Im gonna link to below but the resources the forbearance report so forbearance report.com and what this report is is or what this website is rather is its a its a place to go to get up-to-date information on r