erm and I think maybe that you, you jumped in  shouldn't have done that er because obviously M Martin got quite defensive at that point  you know because you were only going there to do this financial planning service and er  selling them anything, you were just offering this financial planning service and then you jumped in with these, when I come back with my recommendations  erm  tt I also thought that erm  you know it was a little bit dodgy actually to say you, well you know erm tt we have found that our records are incorrect   and I thought  well then that maybe  and erm you went ve you went very o when you were talking about the dependants erm  you, you  you didn't seem to get into er erm how many children have you got and is there any other dependants, it, you, it seemed to take you a long time to actually get there.