We have new products. We have consumer outreach. We have all kinds of information that we give to people. We have underwriting flexibilities and we are doing everything we can to expand access to that American dream. Even as we try to do that, and even with everything the housing industry does to prepare people for homeownership, there are problems.
People get sick.
People lose their jobs. There are domestic problems. All that can undermine the ability of someone who was qualified for a mortgage to successfully make those payments. What we try to do then is take steps to prevent the loss of the home or the loss of the borrower's interest in it. How we do that is the second development I want to talk to you about.