sword, one side has a need which decides their deed as per government rules and then we have texas apple seed sowing the seeds of justice. and you are from these texas apple seed. a lot can lose their security clearance if they fall into debt, which begs how do they have transparency? who do you talk to about this? if you lose your security clearance, doesn't this just worsen the problem? what have you seen in your experience? >> well, the reason why the military lending act was adopted was because of concerns among in the department of defense, that a lot of military members were losing their security clearance because of this loan. these kinds of high cost loans, and i think that the impacts of that initial 36% rate cap that they put into place, so they define the product i think too narrowly. was a positive impact, it boast spurs the offering of better products to military, and it started to put some protections into place. i think that the military families and incomes it is an on going struggle that families have. not just military families but families across the board. one thing that w