why not have other banks just step up and say we want to be part of that? we put forward a new foreclosure -- we put forward a new refinancing proposal that calls for swifter refinancing that could save $3,000 a year for many families. could make a big difference between whether people can stay in their house or stay out of their house. we're putting forward servicing golden rule standards of what's the best way to deal with people. we should have an ethic throughout the country that anyone who can stay in their home has a chance to and finally, there's no question there have been enormous amounts of terrible abuses in the servicing, on the foreclosure. and, again, we think that the banks should embrace remedying those issues, not fight, not resist. that's what the president was trying to push in kansas.