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and as you look at the pilot programs of the nsi, would you be willing to factor in unemployment to give states, not just rhode island, but other states that are suffering not just from housing problems but from employment problems? >> we'll certainly look at it, senator, but unemployment is kind of beyond the control of the space in which we operate. and the way we arrive that the target areas in which we would do the pilot programs, is we actually went to the map and identified the places that had -- that were basically the hardest hit in terms of home valuation declines. the places that had the most houses still under water, and we have tried to craft a program, the neighborhood stabilization initiative, to address those hardest hit areas, do it carefully, test some things in those areas and then try to replicate the things that work in those areas. so we started, obviously, detroit, probably the hardest hit place in the world, now unemployment was a component of that, obviously. but it was really what was driving our decision about putting them at the top was the number of loans and