Mike Johanns actually said...

Let there be no doubt about it. I like Gary Locke a lot.

I hear what you are trying to say, and I think you are trying to assure me that, Mike, it isn't going to be that bad.

But if the only option is for these people who are in default or have missed payments, if the only option is bankruptcy, they will probably ...

I suspect in his State they have identical problems as we do: just a lack of services in the rural areas.