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it's going to be a real challenge forhem. so i obviously, all of us, susan, everybody wants us to grab this housing problem and this foreclosure problem by the throat and kill it because it's killing the economy. but if we don't have either principal... we don't have the option of bankruptcy where people can protect their homes we don't have what fdr did when houses crashed for his citizens and he put a moratorium on foreclosures and then created a corporation to refinance those loans and make these loans they don't have any of that. it's all voluntary let's all work together and hope as we do these incremental steps it will make a difference. as susan pointed out, we have a monumental task in front of us. we need something bigger than these incremental steps. >> woodruff: susan, do you want to respond to that some. >> i do. nonetheless this is a positive step. this is win-win. it's not just, you know, that 70,000 dollar house we heard from jon, that would qualify. any home, however underwater as long as borrowers a current w

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