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London Bridge is falling down but your portfolio doesnt have [Music] to David I think that begs to answer the age-old question how come every time you come around my London London Bridge Loan has to go down whats going on here were going to answer that and more in todays mortgage Monday welcome to mortgage Monday we were just having a conversation about what to call BP fans Justin Bieber has Believers Taylor Swift has swifties Grateful Dead fans are called dead heads Christi and I are thinking that we should call BP fans bippers and Christian you came up with the idea what do you think about calling BP fans bippers I think bippers is a good fit right theyre a little bit out of the norm they like to do stuff creatively I think bippers is a hitting the nail in the head I like it all right so all of you bippers out there you are going to learn about a new loan product today well not new for everyone but new if you havent heard about it these are bridge products but before we get int