process in their homes but well down the foreclosure process, should they have hope that anything will change at this point? >> well, we've been pursuing this issue not just over the last few weeks. we started as soon as president obama came into office. and on our initial look, we found concerns. that's why we started these in-depth investigations in may. we have already forced servicers to make changes. we've done that through our modification programs. and so there are already improvements happening and we're going to continue to push for that. so homeowners should see changes. but what i would also say is we make help available to homeowners. we have housing counselors around the country that we funds. and your viewers should feel free to pick up thefin, call yait 8-995-hope, get connected to a housing counselor who can help them understand what their chances, what their remedies might be and what help we have