so there may be a mortgage, a kind of manila envelope mortgage, 30 years, one point, very simple to understand. so that people can use that as a gauge when comparing product out in the mortgage market. i think it is very important that we have consumer protection in this thing so people stop losing money. host: mr. gutierrez, thank you very much for being with us. we will see you at the committee hearing, with questions for mr. geithner today. we will continue taking your calls. eight is open phones, but if you would like to continue commenting on the president's financial regulation plan, you are most welcome to do so. at 9:00 eastern time, we will spend an hour with george will, and nationally syndicated columnist from "the washington post." he also has a column in "newsweek" magazine. until then, your comments on open phones. let me show you some of the headlines about the financial oversight plan, and it will give you a sense of the initial reaction to it. these are not editorials or commentary, these are reporting stores. here is "the financial times this morning." "wall street says it ca