global settlement that could cost up to $1 billion or play this out in a case by case basis fighting individual homeowners along the case and they will pay considerable costs. remember they have something like $6.4 trillion of mortgages on the books. after we have been through a electric of a recession and banks have had a lot of trouble and now they have to fight this. and that feeds into the entire economy. >> and there was action on the foreclosure crisis? all they just started the hearing and the senate banking committee was getting together with a lot of big players including the iowa attorney general with the lead in this case and we will follow him and representatives of bank of america but they just got started and they were just it is down as i walked out. >>shepard: gerri each day at 5:00 eastern and 4:00 in oxford only on fox business news the fastest growing business news on