the gse's actually according to i don't know if you've read the book, reckless endangerment but on painl 5 of that they explain that fannie mae led the way on relaxing loan underwriting standards, a shift that was quickly followed by private leppeders. and then later in the paragraph there it became the playbook for financial executives and that whole process under james johnson he began to, he spent about $100 million in ten years lobbying congress to make certain small changes in the rules that would allow him to push those. so you had members of this committee back in 2005 were asked are you afraid that the easy lending programs -- ie that james johnson was pushing through fannie and that this institution was encouraging. are you concerned that these programs are going to wind up luring people into homes that they could not ultimately afford? so it's not this came on us in the middle of the night. it was well orkstrate by a guy that began to change the financial standards to one of loan values and he pushed 100 million toward himself in his nine years as head of fannie and freddie. so