dollars in premiums so that that's where the legality problem comes in and in fact the california attorney general motors' a letter to paris saying you're not allowed to do this you're not allowed to get extra money on top of the deal that you're doing if you do that it will be illegal and what's so unusual about how is that they said we're going to go ahead and do it anyway. this type of abuse by financial sharpies you know picking on the local roads i mean we see this all over america town after town when it's a party after municipality or so how many times does the local communities get pulled by these financial intermediaries who are selling them a bag of worms is there no discussion at all in the community or is it is it a financial illiteracy problem is it a desperation problem is a complete no communication at all intercommunal nobody reads matt taibbi in his actual rolling stone pieces nobody reads the national press how can they how can towns like this continue to be victimized over and over again well let me let me just play devil's advocate for a second because i mentioned earlier that the way