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think of it like using a dipstick to check your oil. some of those tests show fraudulent rates as high as 80% or 90%, 97% in the most extreme cases. we can only hope that, again, is the most extreme example. but whatever it is, if you have more at stake in how these accusations are resolved, our next guest, one of the biggest owners of home mortgages in the world, simple lest ways to put it, bill is the guy who owns your house in some ways. when the government sells housing bonds i want to know if you re going to give me a free house, bill he s the one that owns them. how much of a mess in real life are we looking at with the documents reconciling both the borrowing agreements, lending agreements and foreclosure process, bill? well, dylan, it s a difficult situation to interpret. i think you did a good job in the last few minutes of trying to explain it. let me just add an addition