at the site of an abandoned home in a recent incident, a young boy wandered on to a foreclosed property and drown. and the parents are going after the home owners and should they be held robert. an attorney and gel helm rich, joining us from pittsburgh this morning, nice to see both of you. joe, let me start with you. if the bank owns the property, they have a pool at this property, child wanders into the pool and drowns, doesn t the bank have the responsibility here or no? no, not necessarily. i mean, the bargaining you created the situation saying that the bank is the owner of the property and as the owner of the property, the bank would have defenses that are available to all home owners the bank should not be treated any differently than any other home owner. michael, do you take that at face value?