okay saying no I really I hate telling people no I I mean maybe it's just a a fear of of U you know having a bad conversation or or I don't know what drives that in me I hate telling people no so more more times than not I'm not going to just say no to somebody I what I like to do what your lender should be doing if you're working with somebody if you're not getting this from the lender you're currently work with you need to find somebody that will do this is actually evaluate exactly what's going on with you look that over and then review it with you and if they can't approve you right then give you the path of how to get approved if they're not going through saying hey here's what your issues are this is what you can do to get it to this you know from A to B or A to Z so that you can uh reach your goals of home owners home ownership excuse me then then you need to find another lender that's going to take the time to do that with you