vehicle. you are probably get it for less in the five year bullet you taking on not having to pay the interest to these account holders, it has to be a hit right here right? guest: actually, we have a very simple business model. we are a true community bank. so we take in de ses, and we lend them out to local businesses so we are taking in deposits at 1.20 percent and lending out to businesses at 5 percent or 6 percent and that spread pays for our employees and to run our business. neil: and a bunch of people pool together and my staff is asking, if we all pool together and we come up with $1 million, we would have to get hannity into this, to we do that, do we share the mercedes? that is up to us, right? guest: i will leave that to you and the mercedes dealer to work out how they put the title