uighur 8.5% when you look at the facts there's no evidence to indicate that the pendulum has swung in favor of our credit system. thank you for the opportunity to comment. >> could i agree but that? sorry, mr. stark but there are a lot of gses at the but on any of the gses that directly compete with me that try to steal my loans. when we are not allowed to make a $5 million real estate loan, for example, that's a big part of my loan portfolio. that goes to the farm credit services no matter what. is just a way to compete and it will be undercut no matter what great i've quoted come and msha every community banks in the nation can say the same thing. that they rates just are not the same. they will pick those. the young farmer that comes in that has a quote from the farm credit services it's a rate that is higher. they might get a rate that is six or 8% compared to the 3% rate. so does that really mean you are taking care of those young farmers? with high priced below two young farmer that is the same whether a multimillion dollar farmer or they are a young farmer that's really struggl