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[Music] jennifer's in minneapolis hi jennifer how are you hi dave it's an honor to speak with you today you too how can i help we have a question about baby step 3b because we want to move significantly up in house a question is in this market we understand contingent offers are generally not accepted so we have been advised to consider a bridge loan what would you say i would say the idiot that advised you that should agree to pay the payments okay um here's here's the problem stuff like that doesn't work unless everything goes perfect and everything never goes perfect okay okay let's just pretend that something like a pandemic happened okay i don't know i mean i never never experienced anything like that uh but let's say you were right in the middle of this and you had one foot on the boat and one on the dock and the boat was leaving you know where you're going to end up and that's in the lake uh-huh meaning you're going to end up with a bridge loan payment a house payment and anoth...