host: martha copley? guest: i totally agree with you.m committed to saying that no veteran or man or woman serving overseas or out of state should ever be foreclosed upon. there are federal rules and state rules that we have tried to enforce. i know that my colleague in oregon has made that a big issue. but all of us owe that to our veterans. in massachusetts, we are on the lookout for that. there are penalties for banks, i agree. secondly, there are people that were wrongfully foreclosed upon. we have had a court ruling that says that if you do not hold the mortgage, you cannot legally foreclosed upon it. this cutting of corners rush to get everything done has created chaos in the market. this is the legal behavior for people who have been wrongfully foreclosed upon. it is part of the continuing problem, frankly, and we will continue to pursue that. the first question that you asked about regulation, you will have to talk your congress folks about that. host: we have a specific question from twitter -- guest: that is not exactly right.