 ok it's not bad because here's the thing the 66 the 36,000 we could just call it a dollar for dollar ok there's a concept in money let me walk you through here that is what's going on in my head ok the concept in money would you rather have a hundred thousand dollars today or would you rather have a hundred thousand dollars five years from now well you'd rather have it today because of what you could earn on it during that five years agreed