talent you know all of the people who are sitting there with this debt load that in some place as a sahm as a house. are these student loans going to burst is this market going to burst the way that the mortgage crisis and that dead but in that they're the two the two are pretty similar at the swindles it's you're investing in your future you can afford this it'll be fine and then suddenly you're left with your credit is shot even even if you pay on time because you have such a debt load. it if that market bursts could that be the push maybe for the you know loan forgiveness or could that be the reason that we actually start looking at this market. it's possible the two situations are very similar and a couple of ways one is the sort of endless availability of credit you know preach to thousand and eight pretty much anybody who wanted to get a house you get a house you could walk into a kind of a company like countrywide it because they have no idea he no proof of employment and get out there was no problem with it and it's kind of the same street situation of education now. if you get i