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Closulose abuses. it comes after the plan letting responsible borrowers refinance the mortgages. best plan of all is do nothing. why is that, john. >> nothing worked so far. i am not saying there was not flaud activity mainlyy because of the loan officers become car sales men. you have 26 billion going to the banks and 80 percent mortgage. and refinancing. that sounds like a lot. it is only nine percent total of homeowners that are under water. this is not going to help on a significant level. m...