 you're not the worst thing you've ever done and if that's not your identity no in their argument this will cost you some opportunities oh yeah right it will until it's all bankruptcy that's right causes every time for the rest of my life that i fill out an application and i don't fill out loan applications but there's all kinds of things to come up have you ever file bankruptcy you still have to click that box it doesn't say have you recently it doesn't say was it a decade ago it said ever