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Expectations and standards are. To piggyback a quick question off of that. Seems and these seem like significant changes. What impact will it have on credit overlays . I hope that it will substantially reduce credit overlays and that lenders will start operating more inside the credit box that fannie and freddie have said they will purchase loans in or guaranteed loans in that space. And based on conversations that we have had with industry participants emma my hope is a positive hope. I do not know when you transfer from hope to an expectation. Some of them have assured me that if we can smooth out some of these uncertainties that exist in their space, it would translate into reduction and overlays and it would translate into more availability of credit to people who can afford to repay the loans. And that is what we are very much interested in having happened. Haveth me and the crown lot more questions we would like to ask we are past their limit. Have everyone join in thanking you w

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