 absolutely we're locking loans in the sixes right now if you got good credit um i'm doing a few more 15 years i'm doing lots of refinances cash out we're doing a lot of investor loans back up how are you doing cash out refis people are giving up their four percent rate so it's really interesting cleve because like nobody wants to give up their three and a half percent 30 year fixed rate right they don't they don't want to and i don't blame them i wouldn't want to either