Hypothetical. Why does mortgage credit enable them both equally . Im not sure how were going to do that. So rather than seeing a reform with much tighter regulations, limits on what their executives can make, with an acceptable rate of return and this make whatever you can and get rich structure, its about the famous line from winston churchill, it seems like its working until you consider the alternatives. I guess ive become an advocate of fixing what we have and recognizing that its not perfect. There are dangers in that system. There are dangers in every system. There is another side of false dichotomy with private capital. Fannie and freddie had to be bailed out by the government so we fix that now with dodd frank, if the big bank controls the Mortgage Market, one that undo everything weve done . Why is that private capital . So if we did that and we let franny and freddie start to build capital again and we release them into the market, do you feel there is any risk that we will h
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