that we should give these borrowers the same type of personalized, sitting around the kitchen table guidance that they initially got when they first buy a home or apply for a mortgage. it helps them and starts them on the road to successful and sustainable home ownership. we also estimate that freddie mac helps more than 250,000 borrowers avoid foreclosure in 2009 both to our traditional methods and this mha program. . let me be clear. our role is to answer questions, provide information, and be responsive. others will decide. others are the decision makers. still, given the opportunity, what kinds of facts we bring to the attention or will we bring to the attention of the decision makers? what are some of the key traits that we believe the u.s. secondary mortgage market ought to include? and do the gse s help the fought housing finance markets achieve these desirable traits? when asked, we will remind decision makers at freddie mac as a constructive, vital rule in the ma