and so dennis rogoff at harvard recommends this and some people say well, if we lower the mortgage rate, if we bring the mortgage down the value of the house, and the people who hold the mortgages will lose money. who's going to compensate them and what's it going to be? broke off suggested that the banks are the people who hold the mortgages and instead of writing them down just cut them in half a taking an ownership position in the house so when the house is ultimately sold, the people who issued the mortgage were on the mortgage will share in the profit and you get the same practical result. you no longer have a bad debt on the books. the homeowner has a mortgage she can no longer pay. when i was governor in the late 70s and early 80s and affirm it got in trouble, we have been hundreds of small state-chartered tanks who did not want to foreclose on the farmers. they knew they were just having a couple of bad years and they couldn't pay their fair month of and they didn't want to take possession, so we allowed the banks. we change the love of the banks take an ownership position in th