richard bowen and his staff very carefully, very professionally, are documenting that these loans. the refs and warranties are false. but city is overwhelmingly turning around and reselling these low city group didn't want to know because if it looked. ringback at these places, it couldn't possibly continue to use them. it was all about generating revenue. people who worked on wall street. it seemed of the idea of securitized mortgages package, the thing mortgages up into securities. they actually arrange to buy the mortgages . they would package them up into securities, they would file documents with the security exchange commission that they had to be able to call them securities and then they would sell them to investors all around the world. and all along the way they were making money was almost like it was a perfect product that anybody who touched a mortgage, i made money off of it. the november 2nd of 2007, sitting at my kitchen table. i put together an email and i sent the email to robert reuben who the next day on sunday at the board meeting was name chairman of the board