america. and we should be out of the entire real estate business. >>neil: why? it is prolonging this. >>guest: it is from -- prolonging the pain and we have to let it lay out. maybe everyone work for what they have to do. it will all come out. >>neil: why didn't they do this in the beginning? >>guest: they did the reverse, from 3 percent, 40 percent. now they want to go from 40 percent to 39 why -- to 39.5 percent. >>neil: so many in arrears kick them out? >>guest: i don't think we should kick them out but clearly review what the story is when we get them a mortgage. if they are entitled to a mortgage they should have a imagine and then maybe more look at employment issues. with no employment the real