>> many people and if you read the complaint your blood boils when you see and read the stories such as the one you just described of the bank malfeasance but then people ask why does the bank gain by this? wouldn't they be better off if in fact they modified and kept somebody in the house paying at least something on the mortgage? what is the bank's financial incentive to act the way they've been acting. >> i don't know. i think there must be one. because for so many years these procedures have gone forward not just with bank of america but with other major financial institutions. and it doesn't make sense. now, only one-third of bank america's product in arizona is owned by bank america. the rest is service for other people. just this weekend in the "new york times" there was an article that said some servicers have essentially been ripping off the client. i don't know if that's true in this case but it needs to be investigated. >> general, let me, if i might, you referred to the multistate investigation that is being led by tom miller. bank of america in response to your filing of your lawsuit put