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jj the cpa here hope youre doing well i wanted to do a specific video now that the ppp2 application is out for the employers so know this it is the same calculation as ppp one with this advantage youre able to pick the higher of your payroll for 2019 or 2020 thats right so you take the same payroll costs as weve been defining since the beginning which is your payroll the health insurance paid by the employer the retirement plan played by the employer the state unemployment taxes as well as the health insurance paid by the employer as well as the retirement plan paid by the employer now if i just repeated myself its because its freezing out here but with that being said know this it is the same exact same as what we know for ppp1 in terms of whats included its the same as those payroll costs those definition of payroll costs as whats in ppp forgiveness so theres no mystery in that part but the advantage is you figure out what those costs are for 19 you figure out what those c