we encourage people who are dealing with the banks now for loan modifitions or who think they may be eligible to make those calls to start to get paperwork lined up and, hopefully, even though this is spread out over the next three years, that all the states who are involved in enforcing this, the homeowners who are looking for relief and frankly, the bank who is say they want to get this done will work as quickly as possible to modify loans that can be modified, keep people in their homes and one thing we don't talk about much is the incredible stress this creates for those homeowners who don't know if they're going to be foreclosed upon or not and start to get some stability in a real estate market that, frankly, is still at the root of our inability to turn this economy around. >> we have those phone numbers as well and i'll put them up for our viewers so they, a, they know the five banks and then they know the phone numbers to call. so we'll keep those up as we talk to you this morning. and let our viewers know who to call if they have questions about it. gmac, bank of america, c