 where someone called me and said hey my mortgage payment went up 300 bucks a month and they said it's because of my insurance and we looked at their insurance and their insurance went up 400 for the year so same thing you know be able to do your due diligence on that i was able to call the mortgage company and go how did you raise their rate 300 per month 3600 per year when insurance only went up 400 which is like 40 bucks a month and they were able to adjust the escrow and they just had an invalid