mr. nuegubaer. >> thank you. 20 years ago president clinton announced the national home ownership strategy. and he said it and i quote i want to say this one more time, our home ownership strategy will not cost the taxpayers one extra penny. it will not require legislation and will not add more federal programs to a growing federal bureaucracy. i think we can all agree that that vision did not turn out that way. if you recall back in february you and i had a conversation about the fact that you were about to lower your guarantee fee by 50 basis points. and the fact that you were still not meeting the federally mandated reserve ratio for the funded fha. i guess -- and i think back then the number was point 4-1% the mandate was 2%. i wonder if you could tell us today, mr. secretary, what is the current status? >> yes, thank you very much, representative, for the question. i cannot give you that information because that won't be available until the next annual report. as you know that is done by an independent actuary. so we do not do that analysis, that analysis is done by a neutral third pa