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that i have have a real hard time with because real estate, the idea of getting into real estate for first-time buyer is already so difficult in this country, it s so expensive. you get an hamas specialty in a large metropolis city end. so all any of those barriers that you put in away, it s just going to make it even harder. so we re going to start to see, i think more creative types of financing come up, which then again pre 2008, that s what you had a big problem with. there were all of these creative financing tools that made people over leverage themselves. that also when there s a blast, everyone lot. and i think i mean, i am a real estate agent. i know commission structure and this is my business and i never i never said any professional you should undercut the value of your business but let s be honest, some of the transactions we do, do i need to have a five to 6% split with the other agent? know it s a lot, but i think if our duty as a real estate agent is to work out or work

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