Wealthy, it was structured to make American Society homeowners. And now were in 2013, and its only the wealthy who have access to the conventional market. And we need to be much more aggressive about thinking through one of the appropriate measures to use such that the governments backstop, whether its fannie or freddie or private institutions, actually serve a public purpose which is to build Home Ownership across the income and across the racial spectrum in america. You know, im not as intelligence at the three of you to be able to remember all six questions david asked [laughter] thats why were answering just one. But i think your question was, you know, with Interest Rates rising, is that going to create any urgency . I dont think it creates urgency around gse reform. Rates are still incredibly low, and even if they go to 5 or 5. 5, its historically low. So i dont think that impacts affordability tremendously. It certainly impacts the monthly payment. I dont think thats going to ha