One thing I want to ask you is like you know you said you lost it all in 2008 and we just went through our own down like the most severe downturn since 2008.

You know in 2022.

I've been open that I lost millions during that and you know obviously I'm still here still making money but

others weren't so fortunate. What did you learn from each downturn?

So the first downturn I was actually able to get a 25 million dollar line of credit

that was then a hundred million dollar land of credit from Wells Fargo as a hard

money lender right signing the personal guarantee so in the financial

crisis personal guarantee on a hundred million bucks definitely.

You're toast.

Yeah, so, but I didn't file BK.

I learned that if you just negotiate with the people

that you're doing business with your fair and you just you know

communicate with them you're just like hey I lost everything I'm I'm Chris

Simon I lost four and a half million dollars you're Wells Fargo you lost six

anyway I ended up getting out of all my personal guarantees,

didn't file bankruptcy. I paid all the friends and family money back, which was like a million and a half

bucks, which took me from 2008 to 2015.

You took seven years to pay everyone back.

It took seven years.

But I mean, you know, I just, I couldn't,

these are friends and family.

I couldn't look them in the face.

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