the bar were still has responsibility for the ultimate repayment of villone, so we think that is striking an appropriate balance with the borrowers and also protecting the american taxpayer, who is standing behind these loans now. >> you just brought up a great point. right now, fannie and freddie are supported by tax funds? >> fannie mae and freddie mac have been in federal consumer to ship for a little over three years, and this is frankly longer than many of us had anticipated when we initiated the conservatorship. what we are really awaiting year, the final resolution, what happens to fannie mae and freddie mac and where the national finance housing system goes is looking in the administration to develop and enact legislation. all the fha can do is really put in may and freddie mac back out there just as they were. there is a lot of discussion going on with lawmakers about the last several years and from the failure of fannie and freddie, what kind of system and mechanisms do we want in the future, but that policy debate needs to take place, and we will need to wait an act of congress