martha: stuart, it is so shocking. if you look at formula for this, exactly just like you said. don't worry, banks, we'll back up your loans here at the federal government. we spent $187 billion bailing out fannie mae and freddie mac because people got in way over their heads. i mean is this really the road we want to go back down? >> well that's what got us into trouble in the first place. you will be hearing this all the time. you're right, martha, the banks are very worried about this. they will be pushed into making loans to risky borrowers who don't meet current very high and strict standards, the banks are very worried what happens if some of these loans go bust. well the taxpayer is on the hook if they go and default and the justice department is telling banks, don't worry, don't worry, we'll take care of this in the event of the default. banks don't like this. it got them a bad name all the years ago. martha: squeeze in one more question for you, there are a lot of people out there who think these very strict rules you mentioned banks have are not necessarily the