and what we did with hbcc was overturn the card. to such a degree that nobody's figured out, even though we've directed them how to put it back the way it was, government doesn't change rapidly for some reason they did with hbcc, but coming back the other way it's not done a good job. i think it's done a disservice to the appraisers in this country who do excellent work. it's hurt them. it's created a situation where the lenders are no longer having appraisals to compare with theirs and can't deal with the issues of errors like we could in the past having multiple appraisals. the appraisal can't be used somewhere else because one person paid for it and it's propry tir. we created a situation where they're putting out, bidding these things on a bulk basis, whoever gives them the best prices is going to get all of them, irrespective of the letter you read to me about geography. you talked about geography, fully capable, and talked about guidance. every one of them was followed with an if. and approximately doesn't matter if. fully cap