to get back to home owners within five days of a request for a modification on a mortgage, to tell them if there are deficiencies, missing documents. the homeowner has 30 days after that to fulfill the deficiencies and the bank has to make a decision in 30 days. they have been violating that. we have 220 complaints about wells. 129 about bank of america. we're taking them to court. >> and the context of this, i've done some reporting on this and talked to folk on the other end of this, totally kafkaesque stories of sending loan documentation in 12 times, 12 different people, they lose it, sending in checks that get lost, horrible things going on which was the thing that created the settlement in first place. >> they have new obligations. in addition to whatever work is being done by the monitor, parties to the settlement, new york is a party, have the right to enforce it. we're following the procedures. we sent notice to the monitoring committee, telling them we're going to file suit. they have 21 days to take action.