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Johny Fernandez: The next
question is going to be what is

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a high risk reverse?

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Sean Murray: What is a high risk
reverse? So this is probably a,

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a reverse consolidation,
something that we've, we've

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talked about here on the show.
And that is when you instead of

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consolidating your loans all
into one loans, you take out a

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loan or I guess even in advance,
right? And rather than use the

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proceeds to pay them all all
your other outstanding

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obligations at once you instead
make the payments to each of

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them every single day or every
single week, it's called like a

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reverse consolidation. When you
hear the term high risk reverse.

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That's usually what people are
talking about, a reverse consolidation.