somebody might not buy it. that seems to be the wrong way to go on this. i want to say, i'm very pleased about how the industry generally has responded. sure, there are some people who will have their remarks about this. but we did this whole project because it started with conversations with community bankers and credit unions. we talked to them about where the paperwork was too burden somg, where there was too much regulatory ap pa rat tus and where they weren't able to serve their customers. they identified this project and we're the ones that picked it up, ran with it, talked with them, and right now what they are telling us, those folks on the ground trying to serve their customers are saying, hey, this looks good for us. it cuts costs for us. it reduces the burden on us. it makes it a little cheaper to put a mortgage forward. that keeps more of us in the market and we're behind this. behind it big time.
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