well over 50%. >> of course, elizabeth warren, the champion for consumers setting up that protection agency. what do you think, john? two more years for painful mortgages. >> at least. there's no silver lining. there are still many vintages of jautable mortgages that are still yet to reset, which will likely make them unaffordable because they owe a principal requirement versus just an interest requirement, which means you'll have people defaulting for the nefrt xt 24 hours. h.a.m.p. is a disaster. you have consumers who don't believe they have a hardship. they're not finding out a couple of weeks later but nine months later that their application has been denied. by the way, your foreclosure proceedings have begun and you're past due and your credit history has been destroyed.