host: lorraine woellert. guest: i am sorry about your daughter.ot of people are in the same boat. we are starting to see the banks loosen up a tiny bit in some areas. houston, i am not sure how the market is there any particular, but i am very sorry about your daughters. host: we have a chart here that shows 50 metropolitan areas with the largest hamp activity, and the largest being los angeles, long beach, and santa ana. it turns out that it is 7.4% of the u.s. activity and it goes all the way down to sacramento and rosedale which has 1.7%. houston is not in there. these numbers are not much. it seems like an effort in futility if you want to work with this program. guest: you are right. remember that we have six anti- foreclosure programs. hamp is the biggest. we spoke about the emergency refinancing program. they are each designed to help fix a specific problem. the lesson we need to take away from this is that our housing system is so complicated in the mortgage system so complicated that there is no one. fix to this. in addition to federal pr