 you start finding ways that you think will work better but really they're kind of veering you off course and here's what I would say here's why I wouldn't do this there's part of what you're saying that makes sense and I'll validate that yeah like if you have a high interest rate why wouldn't I move it to somewhere where there's a lowest interest rate if I can make all this form into one payment that's going to be lower than these other payments over here and free up some more money why wouldn't I do that I hear what you're saying however the negative side of this and it's a big negative