they own the note but the local banks don t own it. they sell it the next day. right. and so it s been sold and chopped up 15 times before it ends up in a pension fund. right. so what s happening now is the servicing arms of the big banks, they re incentivized to foreclose. the incentive is to foreclose because that is the better business deal for them. they re out money. they have front money to the investor they have to pass money to from the borrower. the incentive is completely turned around from 15 years ago. that s why we have the foreclosure crisis from my p perspecti perspective. i m curious about what you are doing in delaware because you created a program that forces face-to-face meetings which my gosh if we could have that in washington it would be helpful. what about between the home owners and the banks? is that what you re doing? exactly right. very simply we pass d law the governor signed into law about three weeks ago which forces the lender to be at the t