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.