saying we think all this paperwork is correct. maybe it wasn't all verified, but we still think these people should be in foreclosure. >> and you're talking about this fundamental problem that in 23 states where you go to court where there's a foreclosure that some of these servicers and banks were doing sort of robo -- >> -- signing. >> robo signing of documents. but you're right, some of the banks are saying that the people deserved or fell into foreclosure in the first place. i think that maybe this gives people some breathing space so they can -- if you're in a position that you can save your house, it gives you a little bit of breathing space here. but we know that the paperwork problems have been just horrific from the very beginning. when i first started covering the story in 2005, even then people were sitting at a table in these ballrooms for these foreclosure rescue conferences saying, wait a minute, this isn't how much money i make. and what -- i don't understand. there's an interest rate here that i don't even understand. so from start to finish, there have been paperwork problems in this huge boom of just lending