i was not talk about the money as a paper armorel money is not paid no i'm not talking about money as a paper and that's was not the issue issue is for example you gave a loan to buy a house so you have documents that your contacts signed and then the banks don't keep these papers with them the documents not the money part the documents this sell this document to somebody else and they pay the bank back so a bank got the money back. somebody took out the loan to themselves and they put other loans and some other bundle them and sell it to somebody else so those paper said being sold in this sold repackaged you don't know with these papers coming from those you do the same with papers in your bank we are only direct loan very direct very direct and that's that said because our bank is not dependent on any kind of papers any color we don't have any color we don't have any lawyers in our system so it's a very personalized relationship between the lender and the borrower so so therefore. actually at the moment when you set up your grameen bank you understood that there was something wrong