mr. gary miller from california. unless we somehow come up with getting this housing market going again, through the real estate building, our economy is not going to come back to the way we want it. and i hope that you are looking not -- i know a number of legislators at giving you different ideas, pieces of legislation that we have written to jumpstart that and i hope that we -- i hope we can actually do it sooner rather than later, but this session is almost over. but the question i want to ask you. your testimony states the default rate on fha loans have been relatively stable throughout this year due to a number of fat person i know you touched upon it. can you discuss the overall state of the housing market to the stable default rates anticipated rebuilding of fha's mutual mortgage insurance fund for 2012? >> i think what is critical they are, we have seen a substantial decline over about a year, year and a half, leading into this year. we have seen stabilization and even a small, increase in delinquency rates