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BHG Financial review: upfront loan fee scam 57

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7:24 pm EDT
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Beware of BHG! We looked into getting a loan from them. Not only do they charge a prepayment penalty, but they calculate their loan using SIMPLE INTEREST! WHO DOES THAT? In other words, if you take out a 10 year loan for $100K, you will be paying interest on $100K for the ENTIRE LOAN! Unlike a normal loan, where the interest payment is compounded or recalculated monthly, quarterly or annually and adjusted downward as you pay off your loan, you are paying whatever their interest rate is for the ENTIRE LIFE OF THE LOAN! They quote you an 11.4% rate, but using compound interest, you are really paying over 20%! Plus, they add prepayment penalties so you can't even pay it back early!

SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM

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The complaint has been investigated and resolved to the customer’s satisfaction.

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57 comments
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Connie M Knight
, US
Mar 15, 2023 3:20 am EDT

I purchased 2 fragrance warmers at Walmart. and neither one of them work. I'm quite disappointed in this.please have someone call me at [protected] or cmkni86@gmail.com. I purchased these at Walmart but told me I had to contact you instead.it cost me $12.99 each.

The upc is [protected]. I purchased these a few days ago.

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WBow
Amarillo, US
Sep 14, 2022 10:49 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I received a loan thru BHG 3 years ago and was told it was for 5 years. I call to see my payoff and date foe last payment and I still have another 5 years to go. I paid for 3 years 8000. a year a total of 24000. and all I have paid on my loan is $8000. I should only have 2 years left not 5.

BHG Financial
BHG Financial
Nov 04, 2022 1:49 pm EDT
Verified customer This comment was posted by a verified customer. Learn more
Replying to comment of WBow

All BHG loans rates, fees, terms, and conditions are fully disclosed to all applicants prior to accepting a loan and receiving funds from BHG, so that an informed decision can be made accordingly by the applicant. Similar to a traditional mortgage, your payment primarily goes toward interest in the initial stages, with a small amount of principal included. As the months and years go by, the principal portion of the payment steadily increases while the interest portion drops. If you have any additional questions or need further assistance regarding a payoff, please contact 866-588-7910 to speak directly with our Client Services Team.

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Lacreita Shonta Cheek
, US
Jun 14, 2021 1:09 pm EDT

is this a check?

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JustDoNotDoIt
, US
Mar 02, 2020 10:44 pm EST
Verified customer This comment was posted by a verified customer. Learn more

Don't fall for them! You can always do better than BHG. Try SunTrust Bank for all you medicos.
The loan shark operations, the churn of former BHG sales account execs who they pump and dump, and let's see...BHG sold 30% ownership stake to Pinnacle Bank should tell you this private hedge fund firm is all out for the profits at all costs----namely, yours!

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nurseindistress
, US
Dec 17, 2019 10:43 am EST
Verified customer This comment was posted by a verified customer. Learn more

oh NO! i already signed on with them and got a loan! Now what should i do?

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DH124
, US
Apr 15, 2021 1:08 pm EDT

Definitely read all of your loan documents carefully, and seek out professional advice if you need it.

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Ed Dunn
, US
Jul 23, 2021 1:38 pm EDT
Replying to comment of DH124

I applied online for a loan rate. I never got an online rate. Instead I got a phone call, which I ignored. Since then I have gotten multiple phone calls and multiple emails. After I sent them an email to stop with the harassing phone calls and emails, they quit the phone calls, but I get at least an email a day. Thatis alone turns me off to their legitimacy.

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bubby001
, US
Aug 20, 2019 3:39 am EDT

I was in the middle of a divorce and had to come up with the money. I unfortunately took a loan from BHG for $50, 000. After the divorce I have paid on the loan for about 18 months but still owe well over 40, 000. I am now in financial ruins and filing for bankruptcy. I missed one of my payments with BHG and their lawyer sent a letter indicating they would literally take everything I own if I did not make a payment in 30 days. To be quite honest Feel like I am dealing with the mafia and am literally scared for my life. Has anyone ever had to default on one of their loans? re you still alive to talk about it?

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Aubrey Lang
, US
Apr 27, 2023 12:15 am EDT
Verified customer This comment was posted by a verified customer. Learn more
Replying to comment of bubby001

What happened with the default? Did it ever get discharged?

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Ttrs
, US
Aug 10, 2019 11:35 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Got the same kind of letter...

The very first sentence states that they are “reaching out with an offer that MAY sound too good to be true” (I’m starting to laugh here). OF COURSE it’s too good to be true!
Here’s my offer:

1. Access to low interest $250, 000 loan w/ flexible terms
2. NO Credit Check
3. NO Collateral
4. NO Credit Reporting - Emphasizes NO EFFECT on my credit rating
5. Log in to “My Own” website (seems creepy to me) to “Activate”
6. By deadline...

Now... In case I was wondering WHY... it’s because they Know that “I DESERVE it” and I “HAVE EARNED it”! Yes... that’s actually the 3rd sentence in my letter. (Now I’m Really laughing!) I really didn’t need to read any more after that, but I was curious... morbid sort of way. Lo and Behold! My suspicions are confirmed.

First of all, legitimate businesses ALWAYS report to the credit bureaus. Even small local businesses will report an outstanding balance after a while, no matter how small.

AND... WHO In their RIGHT MIND is going to give someone a $250, 000 Low Interest Loan with No Credit Check and No Collateral... WITHOUT Really, REALLY Long strings attached? Wait... I know! Some random company that I’ve never heard of who KNOWS how much I Deserve it and Earned it!

Guess they don’t know I’m someone who lives on retirement income and purposefully only contracts prn just for fun and a little extra cash. They are right though... I DO deserve it! :D

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waymdoc
, US
May 30, 2019 2:40 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I have a 9% loan taken out in 2016 and am paying a true 9% APR interest rate (not simple interest). Loan is 7 years, can pay back what I owe without penalty after 3 years (now). Long story short, the interest goes down with every payment so does not appear to be a simple interest loan as stated above. I was very skeptical but it seems to have worked out just fine for me.

Attached is a picture of the last payments that would be due if I don't pay off early (which I plan to):

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Rimpledorf
, US
May 06, 2019 1:20 am EDT

I keep getting these marketing requests in the mail which includes a fake plastic credit card thing. Plastic is KILLING our planet and they're sending out tons of these things. I am telling all health practitioners to avoid this company like the plague of plastic they are trying to kill us with.

Also just read about their simple interest scam.

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Aceofhearts
, US
May 06, 2019 3:55 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Thanks to creditmaven for the idea to take a 401k loan. I checked out glassdoor.com for the employee reviews of their own company. Here is what one former employee said. I would just go straight to FundEx since that is ultimately what BHG does with their own loans for the best rates, FundEx also don't report to credit agencies. Personally, I plan to take a 401k loan. "How they sell loans and how they treat employees is all based around how to mislead and deception. All of their review on TrustLink and TrustPilot are controlled. As in they pay the company and they get to pick and choose which ratings go up and which ones don't, so they control what their overall rating is. They sell commercial loans to people who don't have businesses. They have found a loophole where if you don't question why you are being sold a commercial loan, when you don't have a business more than twice, you can apply for one. They don't want you to apply for their personal loan through Pinnacle Bank because they make less money. The rates are also higher. When it comes time to go over their loan proposal, first they offer you the highest rates and fees and longest lockout period possible. Then if you don't accept it, which you shouldn't because the terms are absurd, they will come back with a better offer. If you refuse it again, they will come back with a better counter offer again. This goes on until it reaches FundEx, which is the last resort for them. The terms here still aren't great but they're way better than BHG's commercial loan option. They try to bait you with that first high offer because they know they have nothing to lose. Some people will take it because they may be desperate, and the ones that aren't, they will just call you and email you 50 more times with a better offer. I am still not entirely sure how they get away with the business model they have but as I have said earlier, they've found a loophole. I am not going to say that there business model isn't smart, but I will say that I couldn't sleep at night working there, and I sure as heck couldn't stay working for liars like Eric Castro, Bobby Castro, and Al Crawford. Al loved to talk about how he's flying around in a private jet to meet with all these banks, meanwhile he's stealing our commissions. Thanks but no thanks. PLEASE, do not be deceived by BHG. It may seem like one of the bests place ever to work but underneath the surface, the foundation of this company is built on lies and deception"

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clinyrn
, US
Mar 14, 2019 10:49 am EDT

OMG I am in process of getting a loan as well - just started process - sent them my W2's though and waiting to hear back - but I am seeing this is not a good offer - I also saw positive reviews on the BBB with A+ rating.

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William Held
, US
Aug 01, 2019 10:48 am EDT
Replying to comment of clinyrn

The BBB is NOT a good place to rate companies, and they are a pay-for-rating service and really are nothing but a shell to make money. If it a A+ rating with the BBB run away!

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creditmaven
, US
Jan 07, 2019 12:15 am EST
Verified customer This comment was posted by a verified customer. Learn more

I have been approved for loans twice with BHG. Both times when I kept expressing doubt, they lowered the interest rate and cut the fees. However the sees are still very high compared to other lenders. I was close to signing, but the documents they sent me to sign were very bare and missing a lot of the promises made in the voluminous emails that the rep sent me.
I have better options with a 401k loan or many 0% interest rate offers on my credit cards to consolidate date. I am lured to this offer since it won't be on my credit report and positive reviews on other sites (which may be fake). It sounds like it is not worth the risk.

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Josie Alba
, US
Dec 22, 2018 3:56 pm EST

This company lies and tells you that the money borrowed will not show on your credit. I took a loan out for 59, 000 at an 13.99% interest rate. My origination fee was $2, 400. As soon as the loan funded, they sold my loan to a bank in Texas for over $79, 300 which showed up quickly on my credit report instantly bringing down my score by 30 points. I am an educated person and now feel stupid for falling for their lies. I hope my review helps save someone else from their predatory practices.

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creditmaven
, US
Jan 07, 2019 12:16 am EST
Verified customer This comment was posted by a verified customer. Learn more
Replying to comment of Josie Alba

Sorry to hear this happened to you. Thanks for sharing.

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Testingt
, US
Oct 15, 2018 12:44 am EDT

10/14/18

My Wife received an offer from this company. It was to borrow unto 200K, no credit report needed, no fees, no penalties and the loan will be funded within 5 days etc etc etc

They created an special website offer at firstname.lastname. I didn't let her go into the website but started reading about this company and their practices. I found many websites with positive reviews but something was still no correct with their offer. So I kept on digging deeper until I found these real negative posts.

There has been many people that have reported them, according to some posts. I will be nice if someone can post back to see if something has been done by authorities.

Thanks again for those that take the time to write their experiences here.

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BKite
, US
Sep 23, 2018 7:20 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Thank everyone for sharing their experiences. I've had an invitation letter from this company beside my computer for about a week or so. While I was cleaning up my clutter I came across it again. I come to this website and read these posts and my mind is made up. ...more stuff to shred.
Thanks everyone

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Nurse ELR
, US
Aug 21, 2018 11:39 pm EDT

I have been approved by bhg. I was told my loan would be funded in 8/21/2018. But no funding happened. I also received a call from one of their rep. The number registered a questionable number when I googled it. I have not received any funding and I am very worried about being victimized by a group of criminals.

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Wanda Lump
, US
Aug 07, 2018 11:09 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I have been receiving a lot of mail from BHG so I decided to visit the personalized website. Before submitting, I came to this complaint board. I will not be using them. Thank you for the information.

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Leon Bucherer
, US
Aug 06, 2018 1:20 pm EDT

This company is a total scam and uses predatory practices. Applied for a 60 000 $ loan at various banks. Best offer: Sun Trust Physician loan - 10 years, no fees, no pre-payment penalty, APR 8.7%, first 2 years only required to pay interest (no principal) if desired.
BHG offer: 16.99% Fixed Interest Rate, $2, 995.00 Documentation Fee, $4, 200.00 Optional Limited Personal Guaranty Fee, 36 Month Lockout (you cannot pay pre-pay during the first 3 years). This is a credit card interest rate combined with awful loan conditions. Stay away!

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Keepitsimple973
, US
Mar 12, 2018 10:27 pm EDT

3/12/18...I am in the process of getting a loan with them. Something has been nagging at me although they look legit. It is strange that the agent was texting me and even up till midnight. They don't have regular banking hours. I have dealt with 3 different people so far which is strange. I did talk them down quite a bit. Got less money but a lower interest rate (8.99%) and no prepayment penalty and got the "documentation fee" knocked down. But I still feel that something is off. Haven't signed the forms yet. Wish I had seen this forum before I gave them my financial information.

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Interested82
, US
Jul 10, 2018 5:31 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

hi there, can you tell me the outcome of signing up with them. Did they stick to their contract offer? Or are they totally a scam in your experience?

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Deloris Sanders
, US
Mar 08, 2018 4:25 pm EST

3/8/18 This company is still in business. I received a very nice invitation from them today. but after reading your reviews I placed the invite in file 13. Thank you for reviews.

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Rowanda2
, US
Jan 11, 2018 10:10 am EST

I want to sincerely THANK all of you for the great post

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Free yourself from Credit Bondage
, US
Sep 23, 2017 12:36 pm EDT

The upfront fee they charge is unacceptable. File complaints to CFPB. I already submitted a complaint to the CFPB. I will also submit the same complaint to the Better business practices Breau.

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BeFree
, US
May 30, 2018 1:31 pm EDT

Hi. What was the outcome of you reporting this to CFPB?

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Jenn McGlynn
, US
Jul 02, 2019 4:16 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Nothing shows up on BBB or CFPB - did you file a complaint?

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Felixowl
, US
Aug 17, 2017 10:37 am EDT

I received a letter form BHG on August 12, 2017. I was interested because it stated that I could get a loan up to 200k with a LOW FIXED MONTHLY PAYMENT. It also stated, "As a physician, we are willing to lend you working capital without the hassles and red tape of a traditional lender...so I encourage you to respond by 9/6/17." It also started on the side, "Wire transfer in as few as 3 days." The next day a man named Paul calls and asked me to fill out an electronic interview and email back. It asked about the exact spelling of my full name on my driver's license and my W2 and 1099 annual income, as well as my state license and all the states where I have a license. I did send it. However, as stated about, NO RANGE OF EXPECTED INTEREST RATES were given, always depending on the rest of the application. I now have at least 4 PDF applications from them, and I will not fill out or send. Yes, an honest institution would at least give a range of there interest rates and not be so aggressive on calling almost daily.
AGREE, BUYER BEWARE! THANKS FOR ALL THE PREVIOUS COMMENTS.

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Angel487
, US
Jul 26, 2017 9:02 am EDT

I was considering this company but after reading all your posts thank you very much! I won't be calling them back.

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Creditcrunch0518
, US
Jul 25, 2017 9:04 pm EDT

I literally just got off the telephone with the Representative who contacted me via cell phone from a Washington D.C. Telephone Number after, I went to their website listed in the offer letter. While I don't recall giving them my cellphone number; surely did not give out any Personal information. In any event, the Representative sent me text message, which I find annoying and unprofessional as, no LEGITIMATE FINANCIAL institution communicates with potential customers via text. Long story short, I put her off for about two weeks due to time zone issue *She said that, the Company was in Florida the Washington D.C number was just one "That they used" However, I live in the West and the Representative set-up an appointment at my convenience. She told me much of what I've heard in previous post however, the most suspicious component was the. Pitch that it won't be reported on m, y Credit!? That was stinky. At that point I began to ask about the Company and the information gained was a bit too scant to be Lending Money. I vaguely remember being asked if I wanted to complete the application when I opted to sleep on it until I received some additional information which is supposed to be emailed to me. As such, I thought that I should do a web search...Thank You all for Your comments! I wont be calling them back.

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Joe8802
, US
Jul 19, 2017 6:41 pm EDT

Agree that this is a predatory lender. I got their bait letter and merely went to their website to check for authenticity, without filling our any details. Next day I get a guy calling me, texting me, and emailing me to see when I'm going to submit an application. I had never seen anyone more hungry and more aggressive. Well, that raised a huge red flag and eventually got me to find what they really are about thanks for the many good comments on this site.

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marynana07
, US
Jul 08, 2017 8:04 am EDT

THANK YOU SO MUCH FOR THIS POST. I started the process of getting this loan but could not get any answers as to what the % rate would be they just keep telling me to submit the papers and then they will tell me however; I want to know what I am getting into before I submit anything. I have a weird feeling about this because they are being so secretive about all the financial properties of this loan. If this was a legit offer they would be up front with everything and as the borrower, you would know exactly what you are signing before you sign it. again thank you for all of the previous comments and post.

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Doctor Finance
, US
Jun 15, 2017 4:18 pm EDT

Bankers health garbage. Predatory lenders. Beware of this company. Spread the word.

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Dr,E
, US
May 17, 2017 10:47 am EDT

Thank you to all of you guys for finding time and expressing your experience. It is so helpful. I called the add they mailed me and then the phone is disconnected. I guess they are done with troubling honestly working healthcare workers for scam loans. Thanks again

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Minnxy
, US
Sep 22, 2019 12:59 pm EDT
Replying to comment of Dr,E

NO they are NOT done.
I just got an "invitation" in the mail(one of many they have sent)9/2019
Thanks to all of these posts
Will stay as far AWAY as possible!

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myxtlplz
, US
Mar 26, 2017 8:05 pm EDT

I got involved with these clowns during the recession following a divorce and a short sale on my home. My credit was in ruins and NO ONE would agree to lend money to me, not even other "third tier lenders" similar in business model to BHG. So despite my misgivings, i signed with them. They told me my interest rate would be 'about' 26%. Not having other options, i settled for it. When I tried to figure out the exact rate, i could not make it add up. I turned it over to my accountant who said the contract was an "exercise in obfuscation". As near as he could figure, I was paying 42% interest. I borrowed $45, 000 and payed back roughly $65, 000 over the course of 13-14 months. My checking around into the background of this company and its principals have lead me to believe that it is a mob money laundering scheme. My advice is to stay as far away from these guys as you can get.

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jane eyre
, US
Jul 15, 2016 12:54 pm EDT

I'm late in my career, and employed, and got a loan offer from this outfit in the mail this week. I called their 1-866 # and told the rep (got a real human quickly) to remove my name from their mailing list and delete the special little PIN they gave me. They set up your own personal little site at www. yourname.mycapitalnow.com. That bothered me, and the fact that the loan will not show up on your credit report. So if Joe Blow steals my identity and gets himself a loan, equifax will not alert me because they won't know it's happened as it won't be on my credit report? maybe I'm over-reacting, but this doesn't sound right to me.

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Kelly518
, US
Aug 18, 2018 1:58 pm EDT
Replying to comment of jane eyre

You are so right. I got the notice and stupidly went to the website and put all my info in. It was late and I was thinking I would just get the interest rate. Now I’m really worried. Has anyone alerted the attorney general or FBI?

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ahhhhhhh
, US
Apr 28, 2016 9:05 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Over $4000 in upfront fees, 17.99 % interest, stipulations on how money is used: complete bait and switch - they tell you no fees but they just relabeled as something else ...who would use this type of loan service. They are a predatory lender going after healthcare providers finding you through the internet and your NPI/license numbers that are public documents, sending solicitation to your clinic office. I have very good credit history- 792 score- just wanted to consolidate some loans and high interest credit cards.

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Evansman
, US
Apr 05, 2016 1:58 pm EDT

I have a loan with them. I borrowed $100, 000 and after 4 years of on-time payments of $2350/month, I still owe $75, 000 in principal and still have another 3 years of payments left to make. There is a lockout so you cannot refinance for three years. I will probably be paying $150, 000 in interest on a $100, 000 loan. I would not recommend this to anyone. Go to a real bank and apply for a loan.

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Jackie2011
, US
Jul 12, 2018 2:41 am EDT
Replying to comment of Evansman

oh man, you look like get a loan with interest rate @ 23% for $100K. That is a credit card interest rate. Nobody wants to have a loan at this rate.

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Amanda Johnson
, US
Oct 10, 2015 12:54 pm EDT

Wow...I justed responded online but i'm not going to deal with them now. This business sounds scary. Worst thing I gave them my ss#. I have fraud protection so I will just be on the lookout for any wierd activity. Thanks for the posts

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Owners Beware
, US
Sep 25, 2015 2:59 pm EDT

I applied for financial assistance with BHG for $25000 for start up costs. BHG used my company Tax ID to secure $40000 through Citizens Bank in Tennessee with my knowledge. I found out about when they sent 2 separate receipts regarding payment. I've called BHG and been rested assured that the documents were sent in error on 4 separate instances. I've call Citizens Bank and have spoke with several members of my team, but can't get any answers to how that amount was secured without my signature. I have to call from numbers outside of my personal cell or they won't answer calls. Once, I get a contact on the line, I'm told someone will call back but never will. The same day the funds were placed in account, that same account was hacked and purchases made in Mexico. No one else had that account number except for BHG. They are a bunch of professional crooks who need to be prosecuted to the fullest extent and put out of business.

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For the good people
, US
Sep 09, 2015 5:19 am EDT

BHG treats their employees like dogs. After talking to people who have worked at BHG I have to agree with the comments above. The word on the street is BHG is infested with members of organized crime.

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Sindy Sheldon
, US
Aug 31, 2015 5:23 pm EDT

Thanks for all the updated info. If it looks to good to be true it probably is to good to be true! This is one of them!

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kdw007
, US
Aug 14, 2015 7:21 pm EDT

Received a card in the mail. I visited the website, gave them my email and let them know I would like to consider consolidating my student debt if they had better terms and asked what the terms would be. After reading through some of these posts, I'm shredding the document and will not be using their service.

Here's exactly what the card in the mail stated, besides any personal information:

1971 Western Ave
PMB 1204
Albany, NY 12203

PLATINUM STATUS NOTICE
Instant Availability: $150, 000
Maximum Credit: $175, 000
Status Expiration: 09/09/15

YOUR BENEFITS
24-Hour Approval, 3-Day Funding
Amounts from $20, 000 to $175, 000
Extended terms up to 10 years
No hard collateral required
Preferred rate

Congratulations Dr. XXX!

I want to be the first to inform you of your upgrade to Platinum status, which makes you eligible to receive up to $150, 000 instantly.

You have been selected because of your clean, active record as a licensed optometrist in Colorado. This is not an offer that I make to every optometrist, but I can only reserve your funds until 9/9/2015

I have authorized the following benefits for your Platinum account:
-Funds in 3 days
-Extended terms up to 10 years
Won't appear on personal credit
-No out-of-pocket costs
-No hard collateral required
-Use funds as you see fit

You will not find an offer like this from any other lender. If you have been thinking about consolidating debt or are simply in need of cash, you need to take advantage of this offer today.

Dr. XXX, I know how busy you are. That is why I'm committed to getting you funded without any hassles, waiting or red tape. Get your terms in just 24 hours with zero cost or obligation. However, you have to act today to take advantage of this one-time offer.

Your colleagues are taking advantage of this offer in record numbers. You can explore your options with no commitment. Can you afford to let this opportunity pass you by?

2 easy ways to activate your reserved working capital today:
1 - Call 866.390.1756 or
2 - Visit your secure personal site at
NameLast87.lxxxactivation.com
(Preferred PIN: ########)

Sincerely,
(signature)
Bob Castro
President & Founder, BHG

Association Partners:
NCPA Corporate Member
Academy of General Dentistry
National Dental Association

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mac5
, US
Apr 13, 2015 7:49 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I have filed a complaint with North Carolina Attorney Generals office regarding this company. They are running a scam on healthcare workers, the principles appear to have been involved with other companies that were investigated by the FBI and closed. Please file complaints with your states attorney general its easy and online to help shut this and other scammers like this down.

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CD Veterinarian
El Reno, US
Oct 27, 2014 3:28 pm EDT

SEND ME MY CHECK ! I met them at a trade show. I merely was Trying to get an interest quote for a 15 and 30 yr conventional mortgage for a new clinic building. I have an excellent credit rating, I owe no one. Went through an extensive loan application process, Tax returns personal and business, Profit and loss statements. They came back with a maximum amount 150, 000 at 17%. These are not bankers they are a predatory credit card company. I have credit cards with 9%. SCAM. I Wasted a lot of time on this. O Yeah, at the beginning they promised to be the lowest interest, Said they hadn't been beaten yet. They even said that If they were not the lowest they would write me a check for a thousand dollars, Right. send me my check.