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Thank you all for having us. Thank you for having me. You say the series used in the story dont reflect the true picture today. Explain that. Theres been progress. It painted the picture, theres no opportunity for recovery in the county. The county had not been doing anything to address the issues of foreclosure and the fact of the matter is we have. There are a number of programs we have had in place to help people who are suffering from some foreclosure issues. A typical example is emergency mortgage assistance where we provide assistance to families who need help to catch up. Once they catch up they can keep the mortgage going. We are going to talk about those programs later. Isnt it true, africanamerican families are not owning has many homes as before . I think that and ill defer to the realtor on this the issue is how do you define wealth . You can argue about how you define wealth. If you are talking about all your wealth placed in a house, theres a lot of debate about that. I t

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