ms. gordon, you seem to be the one that was willing to address this question. i will ask you to expand on what you talked about. should we not take any of the rest of the actors in the economy well-being into consideration when thinking about this trade-off? we are where we are. part of the question is how did we get here, but the other question is how do we move forward in a way that gets us back to a growing economy as quickly as possible. >> i do not want to pose false choices. there are four cultures that are not avoidable. we need to figure out a reliable way to separate. we do not have that reliable way. that is the system in which the public has lost confidence, and the buyers have lost confidence. we are in a pickle as a result. foreclosures that are not avoidable, i agree -- let's do them, and get the home sold, hopefully to someone in the community and get the community rebuilt. for the ones that are unavoidable, as mr. mcwatters pointed out, it makes no sense to go through these very costly for closures when -- foreclosures when both the investor and