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verbal discussion and the bang the bank said you were working it out and then you show up and everything was gone. guest: no, a couple of years before that we entered into a modification agreement which i executed and sent in with the first payment that they required with the papers lost. by the time they got back around to having discussions with me, many many months lapsed and the house was further in default. they sent another set of documents just recently in the last six to nine months, but they were completely different than the original modification that i agreed to, and both in terms as well as the dollar amount that was required. we did have a deal and the house went into foreclosure accidentally and i was in continual discussions. shepard: how does that happen accidental? you have to have asked that? guest: that is a good question. i don t know the answer. shepard: i cannot imagine