. >> i want to turn to alphonso for a second because alphonso was successful in getting a modificatio modification, and he didn't use a service. he did it on his own. he's joining us by beeper now. tell us, how did you do it? how did you make it happen? >> first of all, what i did was i made the phone call. that was the first, initial step. i was a little bit hesitant because i was a little behind from a car accident and called them and u.s. bank had started the process. first they filled out a form and found out what my income was and if i was still eligible, sent it in, went through the process. and after the first of the year still hadn't heard anything. called every two weeks. wanted to get the status on it. nobody could give me any pertinent information. after the first of the year, there was a reduction in force at our company. i was laid off. >> wow. >> and that really double fold put me behind. called them in february. set me up on some type of three-month plan to make sure i could still make the payments. made them for three months. january called and said i've made my three