to start by saying spending four years was an oversight and compliance select your sentiments anand ifyou looe program has the numbers do not lie. the program is a sound program at mr. cooper mentioned with the lowest foreclosure rate into delinquency rate that is an indicator of the safety and soundness of the program and as i'm in and in my opening statement the actions we've taken over the years to ensure that we continue to have this te performances is exactly what we need to do for the issues today. it is true that the program had delinquencies and that is a testament to the va and a testament to the deal that officers and folks made themselves. it's a strong sense that this is a benefit that we have to continue to earn a type performing on the loan. we have some lenders who don't seem to be living up to that as well. there's a couple of concrete ways, first as not we wrap up the mortgage-backed security and our recourse meaning of a lender fails on time we have to make the payment for them, whether the borrower makes it or not the borrower fails to that is what oudo this withour guarante