 let's just make up a number half million dollars and a paid for house even if it's a modest house you've locked in the most expensive line item in your budget and you've got money to live on and then you're set for retirement you don't have to be a millionaire but you you've got to you can you know what we're aiming at and you know if I could backtrack on in Linda's life I don't know what all happened to her but if I could backtrack in her life 20 years and take her to a better place today