 the rubber meets the road when you kind of make a decision as to whether or not at what point in time do taxpayers have liability for this so I've got a lot of texts that have come in there were some callers we'll try to get to them as quickly as we can I hope you'll call at 410-467-WBAL with the short amount of time we have left and I do want to get to some of these questions because you're asking absolutely great great questions and making some great comments on the text line