when we can deliver that, then we have consumers who are better informed and making good decisions and we start to have a competitive market in consumer credit that actually works. works to deliver lower prices and better products just like it should. >> you'll get more information out there, you'll have a more informed consumer, however that was only one ingredient in the mortgage meltdown. greed was the other both on the industry side and on the consumer side. what do we do to combat that? >> you know, i want to say part of it was greed and hype. people were signing all kinds of documents that it wasn't clear what was going on in those documents and a lot of people thought they headed one way and headed another. the know before you owe project, is really about the sober look, there's what this thing is going to cost. it says, you know, before you bite something off, check out the size of bite. >> right. >> and see what you're going to be involved with here.