mr. ware, time has expired, but i will let you answer the question. >> thanks. mr. luetkemeyer, i don't think it's a bad apple situation, right? i believe it is, it is my expertise, in terms of having people know exactly what people need to do to the tee. i don't believe that somebody is -- we have not found where somebody is willfully doing a poor job in terms of loan review. so, i wouldn't want to categorize it in that way. we have work coming out on that that will be coming to very, very shortly [inaudible] . >> your time has. >> [inaudible] be fraudulently are we. have a problem, so. thank you. >> time has expired. now, we recognize the gentlelady from [inaudible] miss newman, for five minutes. >> thank you madam chair, and thank you ranking member. this is a great discussion today. thank you, mr. ware for being here, and thank you for executing this very daunting task. it does not fall short on us that this is a complicated action that involves actions that took place two and three years