it doesn't seem like a stretch to read that is saying the opposite that you might get your strict charges where where do we draw that inference from it's subtle things st of all this by the mere fact that it's included about the idea from the consumer financial protection bureau these are just forms and you know the fields get filled in with either numbers or you could put in not applicable or end slash a which i take it you would regard as a better option but it just i wonder how realistic it is so much weight on the fact that it says zero instead of and slash  basically in that light and i think that's different there was no explanation the c of p b s brief about specifically that but the indication that it would not apply and interestingly is the see if peabody goes on to say  unsophisticated consumer would know from experience that interest in fees are common additions that unpaid balances so you start with we're supposed to look at these letters from the position of an o he consumer we start with the position of the unsophisticated consumer based on that consumer's life experiences level of education that we approach that from the position that they're presuming accrue in the future and then they say contrary to what the prior creditor debt collector had said they now say is zero interest or accrue while we're collecting it we've given you this forty day limited time offer collector really doesn't make a decision as to whether interest accrues writes my mother how can client services assure the debtor that nobody else is ever going to try to impose a fee your interest about was accrual of interest but no consideration of the fact that as we've alleged here is this was a debt that was never going to crew interest some of the reasons going to is a capital one does not accrue interest once they charge off the debt we also have the prior collection agent of the creditor a firm making an affirmative statement that no interest or other charges will accrue on this debt in the future so i  issue of an accounting issue is because you charge it off your boxes as a valuable receivable and therefore there is no place to to account for the new receive a bill for additional interest but aside from that is you've got the if this step were reduced to judgment then many states perhaps most after a judgment is entered have a statutory rate of interest for the judgment until it's collected so he was very good mr martin searches marnham half of quite services incorporated looking out this letter at issue in this case no one can point to anything in this letter and say that it's also the balance is  letter means it's equal and and they've said if you're going to put that line in with a dollar amount in it why wouldn't somebody who is in the unfortunate position of of getting debt collector letters saying well this month is zero but next month maybe five dollars or ten dollars or something what is it that assures you that this and then there's also a line for other charges which is not something that is addressed in the statement in the account resolution offer is the only thing you're promising is not to add interest  the balance so why couldn't people who are unsophisticated but you know able to draw inferences think that there might be money to that's not going to be charged one  collection costs or no whatever other kind of fees you have to judge when we did not hear your question the court she was interrupted yes i could see that i said you're right it says no interest but i don't see any place where it says and we won't add late c s or we won't add collection c s or we won't of cases these present letters is each district court and this actual court are trying to from part analyze each bit issue as a static for not static debt or static vs dynamic debt and that's where we are running into so many differentiations of case law and why if if if if the district court so that can we have a freeze again and judge agrees box noted in his opinion and then we put in our motion to dismiss as well that it's not a case peters versus financial recovery services that a debt is charged off does not a permissible in friends to believe that this that this debt will never change as already discussed as suppose if you really wanted to be troublesome you could say but they might perk up again some day they're no longer being added that we might change our mind and i do think that is still a fair likely say we see through cover prejudge natures of judgment interest and those are amounts insurance that would subsequently be adding to the actual debt that went on h and you can see based on just numerous cases cited in all of the briefs here that i mean we're looking at what i would consider a narrow issue and just letters and there's been plenty of the binion's on and it was argued that saying current balance alone implies that that balance could increase in the future and that is misleading and so in that goes back to again my argument about static versus dynamic that is it's to the client services letter i don't think there's any way you can complete look at those compare them and say that these letters say the same thing and that is that in terms of accrual of interest and of the charges that markedly different and i toward paying off your balance and then that would take care of this case yeah i think that the nation so that's a are you suggesting that we ought to issue that every dollar goes toward paying off your balance it wouldn't matter what your rules are on the statement  i think i would agree i would like to think that the two senses together but yes i would agree that i'm not saying that can be is you know because our position has been that you can either include  that indicates that interest and fees don't apply to this account i can see that including that that language about every dollar going to pain down the debt could be i'm going to be newest one letters that they can't put an end a they got a they have to show zero or a number then i would say is that they need something some kind of language that is clear that in for that informs the consumer  next as heroes would be would tell him her that there's no danger of her the chart and enough space in there in the chart to do it but if they had enough space sure that would be much clearer thank you all right well i think you're out of time mr stern so thank you very much thank you mr martin the court will take