world that is coming out in a few days, the 3% cap role, people will follow the 3% role. , will wellsppen in fargo take advantage of the fact that many of the real estate brokerage costs -- companies cannot compete in this space? out.are getting shut it means less competition over time here at broadly, that will hurt consumers. that is something we need to continue to monitor. the pricen brings situation which is much premier to consumers. >> thank you. i would like to thank each of you, the panel members, today for your input. it is such an important issue for us as realtors, not only realtors, bankers, regulators thomas consumers as well. regulators, consumers as well. we all agree the bottom line is how can we make more loans through the work each industry which will benefit the consumer, save loans, and protect the consumer as well. thank you. thank each of you for your participation as well. day. a great, chilly [applause] [captioning performed by national captioning institute] [captions copyright national cable satellite corp. 2013] fromlook at an article bloomberg news talking abou