You're watching? Well, What I was about to tell you, a large amount of foreclosures could be avoided as soon as these contracts are under a different management. Most of these contracts are libor or prime + 2.5 to up to 8.5 (I was told haven't seen that high may be more, don't know). Most of homeowners are able to pay their mortgages as soon as you reduce the margin which is, you can admit, in too many cases far too high and can be reduced. Should I say you're still making money or at least paying management cost...