1 00:00:00.359 --> 00:00:03.014 Johny Fernandez: The next question is going to be what is 2 00:00:03.081 --> 00:00:04.409 a high risk reverse? 3 00:00:04.409 --> 00:00:07.725 Sean Murray: What is a high risk reverse? So this is probably a, 4 00:00:07.790 --> 00:00:11.171 a reverse consolidation, something that we've, we've 5 00:00:11.236 --> 00:00:15.268 talked about here on the show. And that is when you instead of 6 00:00:15.333 --> 00:00:19.170 consolidating your loans all into one loans, you take out a 7 00:00:19.235 --> 00:00:23.331 loan or I guess even in advance, right? And rather than use the 8 00:00:23.396 --> 00:00:26.713 proceeds to pay them all all your other outstanding 9 00:00:26.778 --> 00:00:30.679 obligations at once you instead make the payments to each of 10 00:00:30.744 --> 00:00:34.776 them every single day or every single week, it's called like a 11 00:00:34.841 --> 00:00:39.003 reverse consolidation. When you hear the term high risk reverse. 12 00:00:39.068 --> 00:00:43.620 That's usually what people are talking about, a reverse consolidation.