force someone to get rid of their house, presumably at a discount, which is the case in the market, then someone else sells it at the market rate. how many cases are like that? well, the latter one is the short sale fraud. those are new. that program just rolled out and the problem with that is they roll it out, doubled the incentives almost across the board. and there s a incentive in those cases for a falls deflated valuation of the house. so the house is worth $100,000 for a scamster to try to convince the bank and government it s worth $75,000. and what normally what happens with the fha is you get an aplace sal. in program the government says you just need an opinion from a broker who are often parts of the fraud. neil: that would become a sham. having said all of that, when i step back from this mortgage relief program and the stimulus