quite ugly doesn't it it's like fagan in the you know in the not the wizard of oz but the oliver twist oliver twist fagan and oliver twist it all looks all so insanely so ok what's go over this whole program what happened in the united kingdom they passed a program called a bounce back loan program and they had to introduce this because of a originally back in march and april they said ok the government i.e. the taxpayer will cover 80 percent of the loan cost and you the bank. issuing because the private banks are the conduit the middleman you the private banks will have to eat the 20 percent you have to take the risk of the 20 percent of us no bank was willing to loan to the small and medium sized enterprises that was too risky for them they saw ahead they'd have data on statistics and look at the at that at the case of what happens with a pandemic and they were the honest ones and said no that's the risk of total wipe out for us we're not going to do it so the taxpayer had to bail out they had to offer on 100 percent guarantee for these lines and so at the same time some part of the unit of the governm