states that could be used for direct help to consumers struggling today. this is really a big deal for a lot of people out there, explain to all of us, for homeowners in this country, how big of a deal is this and what type of immediate help can they expect if they want it. this is a historic deal, no question about it. to put it in perspective, it is larger than the tobacco settlement. so when we look at what the borrower ares go to get, you have a $20 million deal. these over those rthose sign all those forechose yirs. not necessarily that those foreclosures were wrong in the first place. but they did sign on to a $25 billion settlement deal. principal reduction, for borrowers who are behind on