website. that's where the banks are saying, wait, this isn't right. private people want to gossip, that is one thing but if the government is sponsoring it now there is an air of legitimacy to it. so, the banks ought to say well sponsor the web, now nice would that be, so say we will be part of the solution opposed to being part of the problem. >>arthur: if you put on top, we do noted it these -- we do not ed it these. there is no reason why this should not happen. >>shepard: yes. the banks don't want it therefore it will not happen. >>arthur: in 2008 or between 2009, cow have perfect credit