are certain things that were in the press, and the most troubling loan we had was actually to the octo-mom. we worked very hard. that was a terrible situation. we worked very, very hard to move her to another home that they could afford. but i can assure you that as chairman of the bank, i took these issues very seriously. it's not to say we didn't have certain mistakes. there were mistakes. we regret those mistakes. as i mentioned, we had hundreds of thousands of delinquent loans. and just as an aside, when you talk about loan modifications, banks are highly incented to do loan modifications. anyone who thinks we made more money foreclosing on a loan than modifying a loan has no understanding of this. we were highly incented. foreclosing is a terrible thing to do but it's also costly to the bank.