mr. krimminger, do you support that? the legislation that deals with that portion that deals with the unemployed? >> i have to apologize and get back to you because i am not familiar with that specific provision of the bill. >> mr. roeder? >> more am i familiar with that bill so i cannot comment. >> we are taking a strong look at what we do for people in the emergency medical problems, the unemployed. but what we want to hear from you is what you are going to do to penalize. we bought some specifics. we want to know what you are doing to encourage face-to-face involvement with the bar were and servicers. we want to know what you are doing about principal right down. we've really do need some creative proposals. we did not hear that. what we hear is a lot of talk about how you were going to encourage the banks. the banks from their nose at all of us. they don't care about what you're saying. we bail them out. they turned around and reduced credit limit, and increased interest rates, said we will pay money back, don't worr