mr. mike hyde who is co-president of the wells fargo home mortgage. >> chairman frank, ranking member bachus and members of the committee, i'm mike hyde, co-president of wells fargo home mortgage, and i'm here today with kevin moss, executive vice president of the wells fargo home equity group. i'd like to begin by stating what we believe is an overarching issue that requires constant consideration. while very difficult to achieve, the needs and interests of homeowners in financial disstress must be balanced with those who have remained current in their mortgage payments. while much focus deservedly is focused to consumers behind on payments, we cannot lose sight on the 91% of our customers current on their loans and the fact that 3% are just two or more payments past due. with that perspective in mind, let me address the assistance programs already underway and the program announced in concept on march 26th. first, for years we've offered a short-term relief option that since january of 2009 has helped more than 100,000 customers who have experienced unemployment or underemployment. it appe