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the government can do a lot of things. i ve you know, we talk about these things here, but the government can do a lot of things that reduce the cost. mortgage absolutely reducing production costs, servicing costs, origination costs securitization costs, which would make the cost of a small mortgage. but probably 50 to 75 basis points cheaper that alone money a month. that s a lot of money a month and to make available more people, so we try to take policies things we do here but also worry about what washington do to make it easier. accomplishments goals. i ve been begging in this one for a long time. i m praying i m begging. i hope they ll listen to this. it s so important and it s the other important thing is, we re not doing it for jpmorgan. it won t affect the future jpmorgan if we make mortgages more available to lower income folks around america, it s so important for lower income america and so you know, we won t start pushing this one until we get it done. i think we should do

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