as always. how exactly does this work, there are so many scams out there. >> this is really the tip of the iceberg, they're talking billions, it could be tens or hundreds of billions of dollars. think about this for a second. remember the subprime debacle we got into, no income, no job, people were getting loans with no jobs, with nothing behind them, they were buying a house, selling it for more and sometimes -- let's say i was one of the loan recipients, i'd walk into as a loan provider, say shannon, i don't have a job but i see the market goes up if i buy this house, you say you know what, i'll look the other way, we'll put you down, you got a loan, you made money. as long as the real estate market went up, it was fine. the problem is everyone on the way down was getting caught because they didn't have the money to service the loans. now you're the loan provider. you are saying i don't really have the money to put up either so i'm going to package these loans, sell them to wall street. wall street took all these loans, bundled them up, put them in their pocket, they ran out of money, taxpayer