<caption><image_72>The image shows a man standing in front of a large screen with the logo of Tua Financial on it. The man is wearing a gray shirt and has a name tag around his neck. He appears to be giving a presentation or presentation to a group of people. The screen behind him has a colorful design with the word "Tua" and "Financial" written in bold letters. The people in the audience are attentively listening to the presentation.</caption> know more current is more valuable than older right so one of the things that we do in in the dynamic modeling is to give more weight to newer data that comes in then old data because there's a higher volume of old data and the new data then gets more weight but you have to be careful not to give it too much weight or you're introducing fluctuations and well we're really looking at their behavior and not their motivation now it's often assumed in the market that well they're they're too basic motivational areas one is the willingness to repay alright and the other is the ability to repay I mean
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