how completely off the rails this whole mortgage finance backed industry became over the last ten years. >> i think it's also a -- >> and still is, quite frankly. zpl i think it's a great anecdote to prove how profound a good first step is and now dangerous it is not to have a good first step. seems that a larger impact on steps 2 through 50 combined. to simply exchange information prior to making plans an man dating that so you don't receive a plan in the mail absent the opportunity to have that dialogue. thank you and we'll talk to you soon, okay? probably i won't. >> well, if i don't get a chance to come on again, i want to thank you what you've done for this country. i'm not overstating this here.