many have tried to subsid ut ti for diversification. the point would be, i think bank of america is at 49 states but we have a very large number of region banks that are well diversified geographically. if you look at for instance, yes, there are too big to fail issues with all the big banks but they are also able to go to market in the same way that the gscs are so i would argue the lack of access to capitol marketed, the lack of dif fe diversification we solved. we certainly need to remember the federal reserve purchased a trillion dollars in mortgaged back securities. the european central bank purchased about $700 billion in mortgage bonds. we continue to have federal home loan banks. so i would submit that we could end fannie and freddie not release them with anything and still lead the world in mortgage socialism. one of the questions often asked is if we don't have them who do we have? let me say i don't really look at this as an issue of how do we replace the entire 10 trillion mortgage market, i think we have household that's ar