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hi everybody - Steve Hodgson from modern asset management here with Biondi POV again from security change system and were here to talk about clarifying what to expect in chain the title and the differences lost your markers - we could block I like that okay now Im back so lets go Im going to stop screen sharing and let you take you take you from here okay so so what were going to do is were going to respond to Im going to read some questions from somebody in the tribe here that had docHubed out to Steve and I and I think its um I think doesnt value and the questions were asked and the answers so just hes going to give some answers first and then were going to talk about those well correct yeah so there was an incident for this particular they had purchased a loan file and they had obtained well they thought they were purchasing a loan file and it turns out that that loan ended up being a contract for deed it was not a mortgage or deed of trust or security deed Steve good and