 how we can help you and we can, we'll know whether or not we can help you. And even a fixed interest rate loan credit line can be used as a volatility buffer if you have enough and there's there and it can't change because you can control it, it's a contract. If you know that the bank cannot close it on you. So we had a client also back in 2009, 2010 timeframe where he had had a $200,000 credit line that was there for emergencies and he had never been late.