mortgage real estate and risk management debbie boyd good to see you thanks for being with us today. thank you let's start with the u.s. now despite the coronavirus mortgage demand had been rising this is now the 2nd straight week where we're seeing mortgage applications fall they're down one percent from the previous week is this a sign that it's now slowing down for the long run. i don't think is slowing down i think people are busy they're busy with their lives are busy trying to figure out where their jobs are going to take and making sure that they have jobs taking care of their families it's not on the top of mind awareness this is a 2nd wave of refinances so they were much busier in march when the rates 1st dropped but a lot of those people have already refinance now now we're getting to the people that are kind of slow to pull the trigger anyway don't refinance it just may take them a little while well and speaking of refinancing it did fall of 2 percent but it is 74 percent higher than it was just about a year ago are we going to see something like we saw during the 2008 hou