long way in helping people get out of the foreclosure prize, and 483,000 loans have been modified, so, what the folks had to pay each month went down but that was just 16 percent of the president's goal. get this: 755,000 loans have been tossed out because people could not make the new payments, the lower payments, so, more people have been thrown out of the program that have been helped. so, $10 million of the $50 billion has been spent, not what the president wanted and if you look back to the george w. bush plan when he tried to fix the crisis, that went awry, too. nothing works. >>shepard: to we have an idea why the money has not gone where the money was earmarked to go? >>guest: bank dozen not want to change the loans. >>shepard: why would they? they caused this thing and they made more money and we did not put any new regulations on them and now they are doing what they used to do after getting