neil budde and clinton can't in the same fed report noted we cannot overstate the importance of the patchhe fact that 33% of african-americans had backend dti's over 43, while whites have 20% above 43%. although the patch affects african-americans, the issue is true for the front end of the housing reduction. women, women don't earn as much as men. and whether cut always comes chance to disadvantage more women than men. young people, newly married people. with this much disparate i think we need to consider extending the so-called patch to the nonagency market, we're going to have a nonagency market. further, there's no justification to push loans outside of safe harbor. loan limits are going to be reduced, we believe, in may. well, what are we going to do with these loans where now pushing out of the system with the drop in the limits for fannie, freddie and fha? banks ask until -- banks? banks don't find funding 30 year loans that these loan rates very easy to do. and increasingly, banks are finding it difficult regulatory to do. so are we going to the mortgage security's market, the rm