 and if that keeps going on and then I get to the point where I can't make the payments does that make sense I don't think he can make the payments day one because he's got the same money coming in and he's got to pay rent in Vegas right and so there's this area of if he doesn't make the payments but they don't do the short sale but then that makes him ineligible to get the loan no yeah he's not going to get the loan once he's behind on the mortgage it's a short sale so he's got to make once you're behind it's a short sale or a deed in lieu or a foreclosure yeah so he's got to make that decision