we also saw issues where appraisers were working exclusively with companies such as ameriquest or brokers and overvaluing properties. the intent of the home valuation code of conduct was to ensure that arm's length transaction which was part of the path. we agree it should be changed. the reality today, jumping forward to today, is some of the unintended consequences of efforts to improve performance in the marketplace. appraisers tell us when we ask them about valuations given to consumers, with regard to accuracy issues, in the past they would have a day to produce, or more, to produce an appraisal for a lender. today, amcs expect them to do two to three in the same time period. the fact of the matter is, appraisers are leaving the practice, the profession in droves because they can't make ends meet. that's not a product of quality. these appraisers are committed to providing quality products, but it is a product, unfortunately, of a changing marketplace, and what we are not seeing, and i hope we do see, back to the purpose of this hearing, is that we do see, in fact, the subcommittee w