thank you, stacy caper. >> thank you. >>> and how does this plan differ from previous proposals, just one question that was presented in the white house briefing room. >> reporter: obviously, several problems with this idea put forward in the last three years and a couple in the last administration that tried to use fha to refinance people, and none of them have really worked that well, so what is sort of fup damt fundamental different about this program this would get it through congress to suggest it would work even when you have had every minimal success. >> i talked earlier about the fact that there are a while, many of these efforts have not reached as many people as we had originally hoped. if you go to talk to any of those more than 1 million families who've had their fha mortgages modified for example through the loss mitigation efforts and able to stay in their homes, the remaining numbers of the almost 5 million families that had them modified through the other efforts and if you talk to the 60% of african-american or latino homeowners who were able to buy a home last year,