lou pizante. i am a partner at equitas. my name is on the back of the report as well.t of anecdotal evidence about foreclosure irregularities, as bill said. where there is smoke, you naturally expect to find fire. what thisç report uncovered was an honor inferno. what we did was we looked at 60% of foreclosure sales over a three-year period and focused on six areas. we actually have that. we look at documents that were recorded at the county recorder's office and we also looked at public information federal filings, such as sec filings in connection with securitization. the first page is an introduction that just gives some summary statistics. then we go into each area and talk about the topics in each area and explain them with the knicks -- exception rates that we found.