i see you interviewed darnell williams of the urban league of eastern massachusetts. >>> darnell, i have talked to him before i was telling you, he was genuinely surprise insisted. he kept on saying to me, what? you can repeat that? basically he blurt insisted out this is dismal. dismal.. that is how he describe insisted statistics. he was generally shocked and disappointed . >> anchor: i don't know one of the things i notice is that these statistics have been this way for a while. they haven't really changed. are there any, do you see anything positive on horizon at all? >>> number one, local banks or regional banks that have branch branches here are covered by the community reinvestment act. community banks in massachusetts if they have a branch in the state generally do much, much, the problem that we're seeing is really out-of-state mortgage lenders and they are not covered by the community reinvestment act because they don't have branches here. that's where a lot of dispear, . >> anchor: like when you get those letters in the mail, you know, lower your monthly payment or whatever. y