| over the next three to five years i | 2.801 | Jump to 23.119 | 
                      
                        
                      
                        DATE
                      
                      
                        the next three to five years
                      
                     |  | 
              
                
                  | so next three to five years is basically | 3.679 | Jump to 25.92 |  |  | 
              
                
                  | down 20 and you're in a bear market | 2.959 | Jump to 45.6 |  |  | 
              
                
                  | going to be down not just 20 but 30 40 | 4.48 | Jump to 48.559 |  |  | 
              
                
                  | or 50 percent and there lies i think | 3.84 | Jump to 50.64 |  |  | 
              
                
                  | financial one of the largest banks in uh | 5.281 | Jump to 60.079 |  |  | 
              
                
                  | they're one of the largest lenders into | 3.68 | Jump to 79.439 |  |  | 
              
                
                  | for the past three years we've had | 3.36 | Jump to 122.799 | 
                      
                        
                      
                        DATE
                      
                      
                        the past three years
                      
                     |  | 
              
                
                  | space we've never achieved a fourth year | 4.08 | Jump to 126.159 |  |  |