dr. doolittle, a doctor who talk to animals, push me pull you was when the characters in that story. it was, a combination of a gazelle and a unicorn. it had feathers on both sides of its body. one of the advantages of this is a good talk at the same time without being rude. it didn't always agree on which direction to go and. so i think that the fed has been all bit of a push me pull you in recent months. the little dose-e-doe they have done on buyin my got interestedi think there's a technical economic term about you can check in on this. i'm income on getting out, ma i'm back in. something along those lines. but anyway, they are in excess or to come in and we've seen the effects of the talk about tapering and rates going up, in the third quarter numbers are in jvm jason voss a report really devastating reductions in mortgage revenues. chase down 60 some%, wells fargo down 63. i think a few of the smaller regional banks reported yesterday and their lone falloff hasn't been as great. those numbers certainly give you pause. why is that? refinancings as jay said have really dried up a