insanity. you look at the list of programs that the government has had from the mortgage interest deduction to the low interest loan, to the whole fannie and freddie debacle, the the reason we got into this crisis, which started with the fannie and freddie trying to push people into houses. we have the great mechanism or clearing up the housing mess. it's called the market. let it operate. the government has learned nothing by involving themselves and now-- now it's going to get worse. >> toby, this is an attempt to get rid of inventory. >> i agree for all of your points except the last point. this is like an auto or car dealer that's got way too much inventory. they've got to get rid of it. put it on sale. this is a marketing mechanism. forget about the stupid things they did in the past and this is actually the only good idea they've had. this is going to help them clear out not homes that would have been sold anyway, but foreclosed homes that we, the consumer, the taxpayers own and we need to incentivize buyers to buy them.