thank you. you re complimentary of what s going on but the devil was in that particular scamming detail that got a lot of attention, that it is potentially ripe for abuse. explain. whenever you have a government program lying the mortgage modifications program, it s not well defined and criminals feed on that type of confusion. when we ve seen a huge uptick in frauds where scamsters are targeting struggling homeowners and bilking them out of thousands by promises mortgage modifications that don t materialize. that s a problem we ve been monitoring. with the recent announcements. they ve been incomplete and that opens the door for more fraud. one thing i heard is they