. -- let me begin with mr. hyde. mr. hyde, according to the research done by the national community reinvestment fund, minority borrowers are less likely than other borrowers to receive trial and permanent modifications. do you believe that this is an accurate assessment? >> it is hard to answer the question. on the surface, i would say only if the home is not affordable would that be the case. there is nothing in the modification process that would cause a difference between ethnic backgrounds or anything of this sort. >> i asked the question because we know that prior to the modification faiz, the african american borrowers -- prior to the modification phase, the african-american borrowers were steered to the subprime and predatory loans. they were disproportionately impacted by those practices. there is plenty of data to show that. since they were disproportionately affected by being steered into these high- cost loans, i am curious as to what is happening to these minority borrowers now who are in trouble and trying t

mr. hyde, according to the research done by the national community reinvestment fund, minority borrowers are less likely than other borrowers to receive trial and permanent modifications. do you believe that this is an accuratessessment? >> it is hard to answer the question. on the surface, i would say only if the home is not affordable would that be the case. there is nothing in the modification process that would cause a difference between ethnic backgrounds or anything of this sort. >> i asked the question because we know that prior to the modification faiz, the african american borrowers -- prior to the modification phase, the african-american borrowers were steered to the subprime and predatory loans. they were disproportionately impacted by those practices. there is plenty of data to show that. since they were disproportionately affected by being steered into these high- cost loans, i am curious as to what is happening to these minority borrowers now who are in trouble and trying to get