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[Music] yes can you tell me what the capital stack is and why its so important for investors and developers to really understand this okay so dave its a very good question the capital stack is what is senior debt mezzanine and equity so senior debt is normally up to about 65 percent of total cost and when you have a senior debt lender they are charging you between five percent to about eight to ten percent because theyve got first charge then mezzanine is second charge and you can get you can be charged between eight to twelve sometimes fifteen percent and then equity is that part of the capital stack which is the riskiest part because that is the part that actually doesnt really have any security and is profit only is paid back when you enter into profit so the capital stack youve got senior debt which is paid off first and then mezzanine finance which is the second part and then the equity portion is the third part so equity investors could actually get potentially 18 to 24 on