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An enormous step forward. Now, the agency has been in existence for only four and a half years, but has already done some important things. Its taken some enforce actions, its done policy work to protect those people who are not entitled or not eligible for anything other than subprime loans to protect them in the market. It has proposed some, some curtailment of the right to mandatory arbitration. But thats just the first step. That agency is under assault constantly in congress. I talked to my friend rich, he stopped counted the number of times hes been hauled up to the hill to testify. It was, i think, 50 at last count. Hes not only been there for a few years. We need more legislation, and in order oo eer to do that, we ne organize. We need to personalize these stories, and we need to look at the level of powers that are available to us and try to exercise power. So let me talk about a few things. One is if you look at mandatory arbitration, congress understands how powerful a force

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