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Continue to improve it based on lessons learned. last month the obama administration unveiled changes to the program, such as offering relief to unemployed homeowners and providing more incentives to banks and investors to reduce the principal on homes that aren't worth what is owed on them. it's really too soon to know what the changes will do for homeowners in trouble but by the end of the year as many as one million homes will have been taken over by banks. to end on a positive note, the number of delinquent mortgage loans is down now for the first time since 2006. back in chrystia freeland...

158,000 dropped out and many more are waiting to see if their loan modifications go through. a treasury official defending the program's rocky start saying, we continue to improve it based on lessons learned. last month, the obama administration unveiled changes such as offering relief to unemployed homeowners and providing more incentives to banks and investors to reduce the principal on homes that aren't worth what is owed on them. it is too soon so know what the changes will do for homeowners in trouble. by the end of the year as many as 1 million homes will have been taken over by banks. t...

Bernard shaw. he said -- i asked scientists to come up with a humane gas because some people just aren't worth keeping around. >> bill: let's get rid of the inferior. >> bill: the third moment on the show? >> i don't think i could come up with three. i think i only did like 200 shows. >> bill: there wasn't a third one? >> how much do you want from me? >> this is very exciting. oh, you hold it up. >> bill o'reilly as a teacher. there he is, mr. william o'reilly, social studies. >> bill: the original mr. cotter. >> boy, he has gone to hell, hasn't he? >> i had a much better hair piece then than ...

Bernard shaw. he said -- i asked scientists to come up with a humane gas because some people just aren't worth keeping around. >> bill: let's get rid of the inferior. >> bill: the third moment on the show? >> i don't think i could come up with three. i think i only did like 200 shows. >> bill: there wasn't a third one? >> how much do you want from me? >> this is very exciting. oh, you hold it up. >> bill o'reilly as a teacher. there he is, mr. william o'reilly, social studies. >> bill: the original mr. cotter. >> boy, he has gone to hell, hasn't he? >> i had a much better hair piece then than ...

Bernard shaw. he said -- i asked scientists to come up with a humane gas because some people just aren't worth keeping around. >> bill: let's get rid of the inferior. >> bill: the third moment on the show? >> i don't think i could come up with three. i think i only did like 200 shows. >> bill: there wasn't a third one? >> how much do you want from me? >> this is very exciting. oh, you hold it up. >> bill o'reilly as a teacher. there he is, mr. william o'reilly, social studies. >> bill: the original mr. cotter. >> boy, he has gone to hell, hasn't he? >> i had a much better hair piece then than ...