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this man is now being recorded great welcome everybody this is the next in our continuing series of educational programs and today we're going to be talking about different types of cash or other personal property and collateral which may be part of a real estate secure transaction but for reasons we'll discuss are treated separately and many times are subject to much different rules than the real property collateral on the other hand in the states in which I'm quad does business there is an interplay between exercising personal property remedies and real property remedies that quite frankly doesn't exist in the Midwest or in the East Coast but it is because we have a much more refined and I think highly sophisticated real property collateral set of laws I think people in the Midwest and the East would say we have a confusing or incomprehensible set of laws but what I'm going to try to do here is be mystified the way that these work together give you some options explained how the doc...