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Change. I think the time is right to reexamine this. I think it can enhance competition in the market. Make the market open to more players. I think you can reduce financial risk for a lot of financial institutions. Now we have cfp be rules in place and the market is maturing i think its time to reengage in this discussion. Let me say one other thing that is not actually about compensation but i think is connected. Another thing that needs to be picked up is to pick up a continued to work on standardizing Mortgage Servicing data. Some of you may recall back in 2010 we started uniform Mortgage Data Program to standardize data. Whether it was appraisals, loan arbitration, so forth. On that agenda was Mortgage Servicing data. We think about these disclosures and we think about the credit investor, where this is all going, its important to pick up that difficult challenge of standardizing Mortgage Servicing data so this would help the market in Mortgage Servicing be more transparent and ea

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