mr. dimarco releaseded reports how taxpayer paid principle reductions would be a net loser for the gse and there's also great concern wls the programs about a moral hazard as well. affecting the taxpayers for paying people's mortgages. so my question is simply this. given i think the tremendous job that mr. marco has done at the fha, what will the administration's reaction be or position be if he decides and fails to adopt some of the new provisions of amp 2.0 because he believes it has a tremendous cost to the taxpayers of this country. >> well, we've actually been working closely with mr. dimarco, he has a tough job as you said and he has been supportive of the bulk of the initiatives we propose to help repair the damage in the housing market. there are some areas where we disagree a bit. of course under the mandate congress designed, the administration, secretary of the treasury has no authority over the choices he makes in this area. but where we believe that the interests of the taxpayer and the broader housing market are best served by additional initiatives, then we're going to cont