we have given the ability of fannie mae and freddie mac and fha boris, they could save $3,000 per year if they could refinance. we have done that or we can but we need congress to act to give every underwater american who is paying their mortgage the ability to refinance. that is one key thing. and then we need to do more for the markets that are hardest hit and particularly for what we call the shadow inventory, those homes and dragging down home prices like distress sales and the president has proposed a project rebuild that would put about 200,000 construction workers back to work renovating and rebuilding homes that are sitting vacant, dragging down all property values. if we don't sell those homes, we will not solve this problem. if you live next to a home that is going into foreclosure, your own home loses 5-$10,000 in value as soon as the sun goes on the door. >> the administration is putting heavy pressure on freddie mac and fannie mae to do principle write desperate what you think they should be forced to go ahead and take that approach? >> this is not about force. this is abo