the mortgage front? you know, there s a little tiny addendum in there about how mortgage services have to keep 5% of the loans that they do on their own books when they go out and syndicate these loans and do mortgage backed securities, securitize them. they have to keep a 5% chunk on their own books. that s supposed to make them keep skin in the game as warren buffet likes to say so they don t go and make these crazy loans. what it really could do is slow down the process even more. people might pay more money for these loans. it s really going to mess things up. i m not saying we shouldn t do it. i m just saying there could be all kinds of unintended consequences. we won t even know until the law goes into effect and this starts playing out in real time. it is going to be harder for people to get mortgages than just a few years ago but that could be a good thing. thank you. we appreciate it. coming up next the treasure hunt. find out why some of the stuff you might consider jun