mr. ckanjorski. i have great respect for the chairman but we happen to disagree. i wrote you a letter and i appreciate your response. i read the letter several times and it basically boils down to one sentence. your response to business practices have been adjusted and each market participant can adapt to a more responsible system that avoids coersion of appraisers and reduces the opportunity for fraud. and i guess the problem i have with this is i know a lot of realtors and mortgage brokers and appraisers have been in the real estate business since i was in my early 20s that are really good people and it seems like we've struck a deal between the attorney general of new york, perhaps for all of new york -- i don't know -- and your office, that impacts 80% of all of the loans made in this country. period. it didn't go through the administration procedure act or regulatory flexibility act which i think normally it should have. and i'm really bothered that we're in a difficult real estate market. i mean, most of the people i know are somewhat involved in development