Impossible to issue the kinds of dangerous products that were issued before. It has made our system safer. Thats not the problem. The question is for people who are getting mortgages applying for mortgages that are straightforward, englishlanguage document mortgages with fees and charges that are clear and cost that they can afford are the credit standards so tight that people who are creditworthy or not getting credit. We are very much of the view that people who are creditworthy should have access to credit and we are opposed to the idea that we should go back to loosening the rules to allow the kinds of mortgages that helps create the financial crisis. So do you believe that what the cfpb has been doing and the approach that they are taking is certainly the right approach and somehow thats going to help open up Credit Opportunities . What do we do about opening up access to credit . I think they have made a lot of important changes that reformed some of the basic problems. I think t