State of the union that he would initiate a task force on helping people who are underwater on the mortgage and we have seen stories recently, it has been 90 days and there has been nothing done on it. they have not put forward the name of anyone to run the task force so the administration is dropping the ball in a critical area because as we have discussed this will be a an issue if november. >>neil: i look at a lot of the housing plans, and i am wondering, now, whether americans are just saying "stop." we have had various mortgage rework programs. we have had principle extension programs and...