 we're going to meet with them but when they come in when we do that planning when we do that process we're going to lower their risk score we're going to see you know can we get a similar rate of return but can we lower that if the market you know takes a huge hit maybe we can reduce that you know 25 30 from where it's at before sometimes even 50 from where they were at before so that's our goal is just trying to find that sweet spot of getting a good rate of return