in many cases, in most cases we're told these are people who stopped paying their bills a long time ago. >> congratulations on getting iowa in that, i'll work on getting canada. >> as a former attorney general, christine and i talked about this all week, we are very, very frustrated that once again the banks have been shown to have done something that was wrong, insensitive, maybe even illegal, who knows. but the bottom line is, while we think the book should be thrown at them, doesn't a prolonged legal process initiated by all of these attorneys general, isn't that just going to delay the recovery while these houses that otherwise would have been sold are not getting sold? >> look, ali, you obviously think about many different factors when you proceed with an investigation of this sort. and i think the question should be asked is what else is lurking beneath the surface? because i hate to say, it every time you pull back the layer of the onion, you find something else and you can't conclude this is the end of it. and i would generally agree there are not going to be a lot