 for the side and and just let them go into collections and maybe at that point she can settle for tens on the dollars if she will even have that money at that point or do you mean she she truly does not have the money and so i don't think there's anything wrong with saying listen she was a victim of fraud yeah this is what happened she doesn't have the money she's living off of 1200 bucks in social security it'll be you know she'll be 128 by the time this thing gets paid off i