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Over to the bank. the bank in turn would rent their house back to them at the below the market rate. in theory, this allows people to stay in their homes for up to three years and avoid property and homeowner taxes and insurance. ari berman, let me start with you. this is a pilot program so its not like some cure, but it seems like a positive sign to try and show there might be ways banks can, in a voluntary way, i guess, come forward and keep people in their homes for a few years. >> it seems l...