and you asked me to be nice to you. office of minority women and inclusion. do you have an omwi director? do you work with the omwi director? i cannot give you the name. why is fha, to give a term we can understand, lousy at services mortgages? i have not had any discussions about that particular issue. but i will look it up. as you look it up, i would also like you to get back to me, if you don t mind, to explain the disparity in reo rates. do you know what an reo is? oreo not an oreo. real estate. what does the o stand for? organization. owned. real estate owned. that s what happens when a property goes to foreclosure. and fhos go to foreclosure, not