 closing costs because usually what it is they're not getting the right info they're saying well i want 450 for the house i'm like great we'll give you 460 we need 10 000 costs is that okay oh yeah all right all right or we want to use 5 000 for a buy down you know that's as long the other agents what i what i find is the other agent the listing agents don't know what we're talking about on the numbers well i have to explain to them the numbers i had one the other day um they were complaining about the rate and we're not budging on our price because i'm getting tons of activity on this house