deed in lieu of foreclosure. of course, people who are walk ago way either because they can't pay or because they can pay and they just lost their bet on home prices, they're saying the banks aren't really working with them very well. so they feel -- they feel okay. we just mentioned last hour a survey that said 80% of people said we have no problem walk ago way if the bank isn't working with you. >> i'll give you irony, a neighbor, she wrote people's mortgages and she left her mortgage because she couldn't pay it. >> my goodness. >> it got so easy to get a mortgage for so long, why would the american psyche think it's easy to get out of it? >>. >> 160 points, that's the number. 160 points. >> what default will take off your credit rating? >> if you walk away and the bank forecloses on you, you'll see your credit hit up to 160 points. that means you're shutout of buying another house for seven years. second worst thing to a bankruptcy, and you're not going to be in any position to borrow