requirement versus just an interest requirement, which means you'll have people defaulting for the nefrt.m.p. is a disaster. you have consumers who don't believe they have a hardship. they're not finding out a couple of weeks later but nine months later that their application has been denied. by the way, your foreclosure proceedings have begun and you're past due and your credit history has been destroyed. you missed it because a my lender told me to. i didn't choose to. it's an abject failure. >> the government said if you were current with your pavements when you went into the modification program, you would not go in as late and it didn't happen that way and millions of people's credit have been destroyed. >> look at all of the people involved, the government, the banks, and let's not forget the homeown homeowners. they got caught in the situation. we're going to have fun when we come back. get ready, everyone, for a fun free day for your family. what's happening in all 50 states today that is not going to cost you a dime. that's next. well-being. we're all striving for it. purina cat