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i can t speak whether it s consumer facing and there is a double check that no one did anything wrong. how do we give you let me start with you, m@@:zz0@ @ @ @ how do we give you real clout? i do not know. i will make a suggestion. treasury needs a club to go along with the carrot. some sort of very concrete monetary penalty for violations of the terms of the hamp service our participation agreement. can they really force it? do they have a compliance steam that can force it? rigid scheme a compliance scheme that enforce it? they would be willing to come into court and force it for treasury. but several times it has been attempted. there is a new class action filed in the last few weeks with that is exactly what borrowers are trying to do. but the courts do not understand why all orders is pressuring white borrowers are pressuring the issue for treasury. . and leverage. leverage. ms. schwartz, let me ask you, what do you think about the cram down issue

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