alex poll lock, who was the head of the federal loan i think you know him i think came up with a 1 and a half page closing statement. are you familiar with that? >> i am. >> tell me your thoughts on that. on the closing statements. >> many of the documents at a closing are state law driven and not federal. but i absolutely agree that there has been over the period of decades i assume right minded in the moment but almost reflective reaction to there's a problem add another disclosure and at some point and i think that point is relatively early on there are diminishing returns to another sheet of paper. and i mentioned to one of your colleagues, my wife happens to be here today, we bought a house a year ago. we didn't read the documents at the closing table. at some level to the extent that things are predicated that's bad. that's why we're trying to get the most critical information in people's hand three days beforehand to have a chance to look at the most critical things. i don't think that throwing up our happeds is the right answer but we want to make things better and not worse. >