>> yes, i have a comment, i'm in the an expert on the napster or gloucester case. one of the differences play be in the early days the music industry wasn't necessarily embracing technology to what the consumer wanted to do. they wanted to downhood music onthe internet and there wasn't a system put in place. i think the difference here is we all sit up here on this panel and -- we're embracing technology. we want to be able to give consumers our product on any form mat they want. whether satellite, cable, broadband on their television, we of those products, all the way down the line. and i think that play be part of the difference. as far as how that, how that evolved. we're in a situation now where we of it on all of these various ways to watch it, yet it can be uploaded on to the internet and watched by literally hundreds of thousands of people for free, without having to pay for the copyrighted content. >> anyone else? >> and thank you, mr. chairman, for allowing me to -- some additional time for the answers to the -- to the questions. thank you. >> and you're m

we also will provide gloucester in finance to support principle breakdance to the guys that values.he ftse's experience has provided a number of lessons learned that we would like to share with the community. i would like to emphasize one key points. laws that make good business sense and help consumers maximize recovery on troubled mortgages. first, and foremost early communication and modification efforts give the best chance of success. success is much for likely if you contact the borrower earlier, give a mod offer and give them on for an experienced delinquency. effective communication with borrowers acquires an effective technology infrastructure, thorough staff reading and a consumer report or consumer service focus. second, the more affordable the modification below were the default rate. until recently, far too many mods actually increased the monthly payments. no wonder they often failed. we also matched must address the lanes as part of the problem. third, close working relationships includes borrowers bonds and modifications to success. not surprisingly, counselors have

we also will provide gloucester in finance to support principle breakdance to the guys that values. the ftse's experience has provided a number of lessons learned that we would like to share with the community. i would like to emphasize one key points. laws that make good business sense and help consumers maximize recovery on troubled mortgages. first, and foremost early communication and modification efforts give the best chance of success. success is much for likely if you contact the borrower earlier, give a mod offer and give them on for an experienced delinquency. effective communication with borrowers acquires an effective technology infrastructure, thorough staff reading and a consumer report or consumer service focus. second, the more affordable the modification below were the default rate. until recently, far too many mods actually increased the monthly payments. no wonder they often failed. we also matched must address the lanes as part of the problem. third, close working relationships includes borrowers bonds and modifications to success. not surprisingly, counselors hav

we also will provide gloucester in finance to support principle breakdance to the guys that values.he ftse's experience has provided a number of lessons learned that we would like to share with the community. i would like to emphasize one key points. laws that make good business sense and help consumers maximize recovery on troubled mortgages. first, and foremost early communication and modification efforts give the best chance of success. success is much for likely if you contact the borrower earlier, give a mod offer and give them on for an experienced delinquency. effective communication with borrowers acquires an effective technology infrastructure, thorough staff reading and a consumer report or consumer service focus. second, the more affordable the modification below were the default rate. until recently, far too many mods actually increased the monthly payments. no wonder they often failed. we also matched must address the lanes as part of the problem. third, close working relationships includes borrowers bonds and modifications to success. not surprisingly, counselors have