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dodd frank is not going to help. sec is not going to help. if the government is still pushing people through political correctness to socially engineer the housing market. the banks are the ones who wanted those bank bills to get passed. they got bailed out. that s completely ig rabbit of what happened. they wanted the regulations to be passed so they could loan to people. mazillo is not even going to get penalized. heidi, before you get in there, let me ask you something, heidi, to jane s point, the bankers made billions of dollars hundreds of millions. you think the government made him do that? or did he voluntarily do that? of course, as you know, he also pushed for this. he wanted everybody to live the american dream. i m not letting no, he wanted eed to rip