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lets talk about what mortgages are lets talk about private mortgages lets talk about houses can work as a bridge loans because we recently closed British loan but you are telling me something else about British laws tell me about your business please okay so um uh private money lenders are subject to real estate law but were not subject to any underwriting qualifications so the underwriter is me and and I work with a fellow for many years Adam Khan and and we both make the decisions um but we can do whatever we want that makes sense and um weve done this for you know 32 years um you know about 32 years um our portfolio is in great shape um I think this is going to be the fourth recession uh that were going into and um we really dont lose money although if if we did lose a little bit money at the beginning every recession we got a little bit smarter and uh were in just wonderful shape we have a a waiting list of investors who want to invest with us and we dont even take any new