is going to help a little bit, not a lot. and i don't appreciate the part about the reps and warranties that i've been reading that might be involved in this, where the chain of title sort of gets washed away when you refi your mortgage. but that said, every little bit helps, but maybe not enough. >> what do you think about this? >> remember, he had a few months where there was a democratic supermajority in the senate and a majority in the house. there's lots of things he didn't pass then. and then the elections came in. what was that? that was saying, we think obama care went too far. >> maybe they were -- we don't know, maybe they were saying -- >> but the point is, now he's decided to go around the legislative process. it's great timing. i have a friend who just wrote a book called "democracy denied" this has all about how obama is trying to go and say -- >> he's doing what he has -- >> -- from the white house. >> he's doing what he has the ability to do as the executive. >> and lots of presidents have used -- >> of course, sure. but obama was supposed to be the guy who was supposed toll
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