else does. what happens, a lot of home owners get underwater and don't maintain insurance on their property and don't have any assets if they leave the property and the bank takes it over, well, then the bank becomes responsible because they have taken over ownership of the home. if they own the home, they're responsible, just like any other home owner, they don't deserve special dispensation for that. >> joel, the final word? >> well, they have any defenses that a home owner would have, whether or not they've contributed to the problem and taken necessary steps to prevent problems from occurring. simply because they're an owner of the property does not make them automatically liable. >> all right, michael and joel, we appreciate you joining us this morning and goes to show you how far this foreclosure crisis has gone. >> thank you. >> coming up on the show, the first of what terrorists say will be many attacks. new details into the failed mail bombs. how cheap they apparently were to pull off at the top of the hour. then the debate over extending