the disturbing fact is that of those placed in high-cost loans it was 53.3% for black bororers, 46% for latino, and 17.7% for white bowo -- borrowers. the percentage is much higher in the traditional fixed-rate homes. it was noted a case brought by the region reverberates throughout the region. the broad-based injunkive relief cannot be -- injunctive relief cannot be matched by individuals. my point being, we have not seen a case brought since 2000 as it relates to preditory lending. i sent you a letter a week ago where in baltimore minorities were targeted with subprime mortgages. my question to you is that the department of justice investigate and look at the circumstances concerning predatory lending, particularly in minority communities, to see if there is aggressive action needed to protect our communities. i would request that you do this and get back to us on this. >> i will tell you that i believe there is the need for aggressive action in this field. we announced an initiative, a joint initiative with the credit department, the f.t.c., the department of housing and urban develo