Seeking input about how these gdps should be set, what criteria should be applied in setting the gdp. Should it be just about protecting against the risk that we are that fannie and freddie are assuming, should it be about capital formation, should it be about attracting private capital . The process has been very transparent, and so you decided to study it again. Yes. The process that the gentleman from new jersey brought is an issue im interested in as well. In fact, i had conversations with your predecessor in that there are some states that have very very stringent foreclosure procedures that in many cases keep the people who are in good faith, gets them not much for the property sometimes years. That is a higher risk to those entities and those foreclosure rules are very consumer oriented. Im not opposed to those states deciding that, i think thats their right. But i think what they have to also understand is when you make it so consumer oriented in that you penalize the people th