 yeah but I don't think you're in bad shape I think you're in quite good shape it's always weird when you get that package that is offered to you because I have a friend who just did this and there's you know every time you have the offer you know it's like how close am I to getting Medicare and how much does that is that health insurance worth and that's worth a lot of money to you and you are working you're just not working full-time which is right