i know that many of my colleagues, my colleague in oregon, john kroger, has made that a big issue. but all of us owe that to our veterans, and we in massachusetts are on the lookout for that, and there is -- there are penalties for banks. i agree with you, that is disgusting that that happened. secondly, there are people who were wrongfully foreclosed upon. it's one of the reasons why we insisted in this agreement that we carve out two of the claims that we brought in massachusetts on that very issue. we've had a court ruling here that says if you do not hold the mortgage, you can't legally foreclose on it. and so this cutting of corners, robo signing, rush to get everything done has created chaos in the market and as the caller from california just pointed out, illegal behavior for people who have been wrongfully for closeclosed upon. those are issues that still need resolution. in terms of banks' accountability, we're going to continue to pursue that. the question you asked about relations issue, that's an issue that will have to be resolved on a federal level. >> jim said on twi