thought. that s the major drag on the economy is what took it so long. it makes economic sense for the homeowner, it makes economic sense for the bank. in nevada, 70% of homes are in foreclosure. say you foreclose on a house, what are you going to do with it? it costs a lot to close on a house and resell it, so this makes the most sense for both sides. there is a lot of anxiety among people, and they re still losing the house, they re giving the title back to the bank, but at least they re not being disrupted. this is a chance to see if we can ease that transition somehow, yes? absolutely. foreclosure is a huge economic problem, but as you re saying, matt, it s a family strain. this allows people who are dealing with the hardship to keep their families in a home and to reduce the transition costs that are associated with any move. everyone knows you have that