through 10,000 they want to go home and catch their kid's soccer game, whatever, and as near as we can tell they took shortcuts and stamping documents and not bothering to check if they owned the note. there were some issues and i believe the mrt industry has tried so hard to do things right and we're suffering from a volume issue at the moment and not, no within is trying to do things irresponsible or be careless. it's just sheer volume we're having to deal with. >> mike: david,s let's face it, that's just, it's wrong. somebody could lose their home and be forced out because somebody wanted to go home and watch a soccer game and went ahead and seen a foreclosure. >> it's not an excuse. >> mike: that could hurt a lot of families watching, they're going to be getting this notice and told they're out and have to get out of the whose. on the other hand. >> yes. >> mike: there is a big problem and people got into homes they could not afford. >> it's interesting. the average loan that's delinquent, foreclosed upon