mr. wright and mr. dochow, by the way were you aware of these numbers 93%, 73%, 50%?i don't. >> i don't recall those numbers. >> we're saying no one was aware of those numbers. if you did know the numbers you would at least in the first instance begin to look, i read, mr. carter, you would have looked into it? target-rich environment is not a bad phrase to use when you have 90% of your loans being stated income is that fair to say? >> we elevated our review, our review of fraud risk management practices as the market began to heat up. >> back in the fwining. this is what scares me. we started using things like fraud examination, whatever you just said. sounds so nice and cold-blooded but we look down at this thing and you say, you look at this and you say, there is somebody committing fraud down here. it isn't just some clerk down at the bottom doing this. they're doing something that mr. reich is qualified as an anathema. everyone considered poor banking policy and doing it with 90% of their prime loans and 53% of -- somebody down there is doing something. and so, it