mr. latourette: i'd be happy to. mr.iberi: just last week as we were home for the memorial day recess week, it to your point, i convened a meeting -- to your point, i convened a meeting, i'm a recovering realitier, we had real estate folks on the commercial real estate side, we had small businesses, we had building managers, building owners and managers, and bankers in a meeting. and to your point, they said that the commercial real estate market, if congress doesn't deal with this issue soon, is going to make the housing meltdown look like miner league compared to what could -- my more league compared to what -- minor league compared to what could happen on the commercial real estate side. this is happening very, very soon. and as we deal with the financial regulatory bill that's coming soon, that's in conference committee today, that could actually add to this problem by restraining credit and creating a bigger problem with respect to access to capital, we are really, in this congress today, with the majority, heading