seeking to relax the lending requirement, urging banks to once again lend to people with weak credit? >> weak might not be the right word. they are encouraging people to people with good credit, 600, 650 scores. what's been happening, that lending hasn't happened. if you have fantastic credit, you can get a loan and the housing market is coming back. but the people in the middle range are having a harder time. if you don't have 20%, they are having a harder time. they are trying to get the housing market going stronger. >> do they want have fear in when i read the article, i thought -- we are not doing this again isn't problem is that when you bury people with debt, who can't carry it, they are doing at this time debt services, spending their mon oat debt service, they are not going to rev up the economy because they don't have the money to buy the toaster. and if they get over their heads and their houseses are underwater, they can't move to get a job if they lose a job because nobody's going to buy