 to your income and in ratio to your net worth and given your net worth and your age i'm gonna extrapolate an income out of that and say that in both cases you're okay if you called and said a hundred and fifty thousand or wrote in is what my mother-in-law to be wants to spend and i don't and we make a hundred and fifty i would say no i agree with you that's too much because it's a ratio it's a ratio to what can you