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folks we are so lucky at one rental at a time to have this gentleman back each and every week he is a fortunate or he is everything housing and last time we spoke I proposed a question we will get into that in a minute lets welcome Lance Lambert of the show how you doing buddy hey good to be back on Michael uh housing housing housing always a lot going on absolutely so a couple of two three weeks ago we were obviously doing a discussion I think off air I proposed an idea about you know what would potentially Silicon Valley Bank Signature Bank credit Swiss what would all this quote unquote banking crisis mean to The Lending market and specifically given our area of expertise I wanted to focus on residential lending so I know youve been able to dig into some research collect some thoughts on that so uh whatd you find out yeah so uh trying to get it pulled up right now uh hopefully it uh give me a second sure and and so essentially what I wanted to do is to go out and track down and se