David Schweikert actually said...

you have to hit a decision point and actually make that tough decision, but you have to make it.

A lot of well-meaning mortgage-foreclosure moratoriums and abatements and those things, in many ways, have actually made the problem worse a...

If we can get you there, if we can keep you in the home and work those out, we are going to get you there.

You are sort of the, you know, the sort of stamp of approval on top of that.