guess what? last year was not the high water mark for foreclosures and this year, last year we had 2.8 million and this year we will have 3.2 million and next year the numbers are bigger, and if you looked at the cities, seattle looked like a huge jump, well it looks like a big move but it is because they did not have a big problem. >>shepard: the foreclosure work problem is fueling a lot of problems? >>reporter: not yet. so, when the foreclosure problem starts impacting this, what will it look like then? it will be worse because the foreclosure fiasco will make it worse, this is about unploit. that is what you are seeing. you are unemployed you cannot pay. you cannot keep your house without a job or income. >>shepard: gerri, 5:00 eastern. when it is 5:00 eastern, it is