we want gsc exit strategy. it is just another indication of tomb things went wrong in the process leading up to this crisis. we think that we've been long-time proponents where it tries to work the foreclosure. we continue to push and advocate that in various venues. >> obviously when efforts emerges of deficiencies in the process, these individual cases, we went to talk to people at jp morgan chase and other dealers where we are dealing and instructing them to go back ramping up and processing with mortgage modifications that we were all hopeful to increase and ask them to go back and look. there are state laws that require specific requirements and review of those cases. we both want to see whether they fixed the processing problems or whether it has fixed the harm. any evidence of harm to consumers. >> any comments on this? >> only that it has been a challenge to the banks to deal with meez foreclosure modifications. we continue to ramp up and respond quickly to the bore oreers and the like. >> that was in t