when you add what you just described and we ll talk about the mortgage modification problem in tomorrow s segment, when you look at the housing finance system, taking state pension money and hedge fund money, leveraging it up and then using it to basically create home loans that are then pushed into those pensions or into fanfa fannie and freddie, how much did it lead to the housing market spike? it had a huge impact. you had people who could in essence enter into loans for which they would never have normally qualified and although from the standpoint of getting people into homes that might be a good thing it s a bad thing from the standpoint of they could never meet the obligation. so you had 300,000, 400,000