but lou ranieri is in there now buying these securities, paying 40 cents on the dollar. so imagine, if you buy a mortgage, you know, a package of mortgages and each one, say, it's a $200,000 mortgage, you know, you're paying less than $100,000 for it. so you're looking for a principal reduction? there it is. it's in your hand. and by the way, investors invest. sometimes they make money, and sometimes they don't. and that's -- you know, somehow what we're trying to do, especially with this idea of fore "barron's," where you're just setting aside some of the mortgage for a while -- and this is of course what's advocated by ed demarco and fafa -- is set aside a portion of mortgage. talk about kicking the can down the road, okay, we won't charge interest on that mortgage, but you're still liable for it. if you sell your home, you have to pay that back. so the entire amount of that mortgage, even though the investor has lost -- you know, and i want to point to, you know, one of the services, aqua, aqua has figured out that you know what, it's actually more in the interest of