 rejects on the rate cuts our our company's projection our research team which is terrific candace browning platinum research team best research team has really won this year they had just in our last report said we're probably going to come off of that so it's like they usually do a day i get on tv the next day they change it but the markets at three were one somewhere in that was where they'll come out is my guess but maybe more important that is where do you think we end up because that's the question we could do it this year next year but where's the long-term interest rate is going to end up