what this $500 million commercial paper program does, which 250 is before you today for extension thorgization. it allows us instead to during that interim period, until we sell bonds, which we do on average every three to six months, it allows us to get access to funds that cost about a per vent to 1.25%. if we had to sell it up front. we'd be selling at an average cost of 5%. which is still a great deal that -- but this allows us additional savings if all right taxpayers. >> i hate the banks. i hate what happened to us and the taxpayers. and these sons of guns are still foreclosing on homes and here they ask for a $1.8 million fee for -- through 2014 just to borrow money. >> if i may, they asked for more. we told them no and we negotiated very hard. we ended up saying -- saving about $730,000 from what their initial proposal was. >> what president bush and the congress did to us on pushing this so us -- to us is unspeakable. look what it's done for you? no support for the homeowners out there for those who have lost their homes and are homeless. >> your points are well taken. this is the bes