which means many struggling homeowners could in fact drought i want to talk more about this with anthony randolph so director of economic research at the reason foundation hey there anthony i guess first as want to get your take on this decision. oh i am so sorry we cannot hear your audio is not coming through us hopefully we can come back to you right now i know i should mention almost all economic institutions from the u.s. treasury to several others have actually supported the decision and yet the f.h.a. . has not it's certainly been something that a whole lot of people have been talking about have calling for in calling for solutions to just about everywhere you look in this country there are neighborhoods with those signs out with the overgrown grass the boarded up windows and of course this has an impact everywhere let's move on now i guess we don't have anthony's audio there we don't have it yet so let's talk about keeping it state secrets it's a big business here in the u.s. in fact the federal government spends billions of dollars every year trying to prevent the public from knowing what