Sam Brownback actually said...

And this is unusual from prior recessions? Typically it is much broader going in?

Well again I think this is the issue really to track for us, is this credit market lockup...

Every state is experiencing the downturn, but do you have more regionalized impacts?

It seems like to me it would be a great time for us to hold a hearing with the regulators, and maybe some of the builders or financial insti...