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To renegotiating loans with homeowners where that is in the best interest of the lending institution and the homeowner and i see that a lot. i see circumstances where you have a couple where one or two of them are both working, they cannot afford the current mortgage because neither of the maybe their wages have gone down but they can afford payments payments and i banks be willing to renegotiate this terms that help the bank and the homeowners. what has happened withed to frank has what has happened with dodd-frank has scared the banking community. the best way to get people help is to get rid of dodd-frank and let the bankers go back to renegotiating loans that do not need to go into foreclosure. neil: you are more encouraged that this initiative will do any better than other mortgage re-work programs on the surface? guest: well, so far the programs in the past have not ....