soaker kenneth wrotedoff at harvard recommend some people -- if we lower the mortgage rates, if we bring the mortgage down to the value of the house, then the people who hold the mortgages will lose money. who is going to compensate them? what is it going to be? he suggested the banks of the people who ultimately hold the mortgage. instead of writing down, just cut them in half by taking an ownership position in the house so that when the house is ultimately sold, the people who issue the mortgage will share in a profit and you get the same practical results. you no longer have a bad debt on the books and the homeowner has a mortgage that he or she can pay. and i said in the book i know this will work because when i was governor in the late 70s and early 80s our farmers got in trouble. we had hundreds of small state-chartered banks who did not want to foreclose on the farmers. they knew they were having a couple bad years and they couldn't pay their farm loans off and they didn't want to take possession of these farmers. we allowed the banks -- changed the law. take an ownership position