trifecta of truth abuse. i'm going to surround myself only with the best and most serious people. we want top-of-the-line professionals. literally, i don't think you could point to one person in any major position that would get any kind of consensus that they were a great choice, let alone the best. the latest and perhaps saddest example of this fact, secretary of housing and urban development today. >> also would like you to get back to me if you don't mind to explain the disparity in reo rates. do you know what an reo is? >> an oreo? >> no, not an oreo. an reo. r-e-o. >> real estate? >> what's the "o" stand for. >> organization. >> owned. real estate owned. that's what happens when a property goes to foreclosure, we call it an r ereo.