 uh yes because it's uh i mean it's continual and i would love for as a family wise we would be better off with you know financially and the credit cards i look at is it's one of the scariest things okay um it's scary it's not the math is not scary what's scary is the pattern of being out of control and staying out of control that's what scares me it's not sustainable you know this is heading towards the wall and you're going to t-bone the wall