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me um stephen my first question is uh 6.081 Jump to 6.879
    ORDINAL first
uh n20 uh both 2020 and 2021 for the 5.52 Jump to 28.16
    DATE 2020
    DATE 2021
year trillion plus uh good m a activity 6.559 Jump to 37.68
three uh interest rate increases this 4.96 Jump to 50.0
    CARDINAL three
we had two very difficult years where 5.04 Jump to 86.96
    DATE two very difficult years
mortgage maybe also in cni but the one 5.36 Jump to 103.84
one area of real estate for banks right 4.48 Jump to 115.36
    CARDINAL one
now that's a hundred percent loss on 4.4 Jump to 117.6
    PERCENT a hundred percent
the way you can't lose money on a one to 4.0 Jump to 122.0
four family loan but you could lose a 4.319 Jump to 123.92
    CARDINAL four
for 50 years and now it's under a cloud 5.44 Jump to 147.84
    DATE 50 years
stephen uh one other big question has 4.481 Jump to 161.599
    CARDINAL one
happened already in the first year of 3.6 Jump to 192.4
    DATE the first year