Sam Brownback actually said...

We need to look at what it is that is taking place and what policy issues we can address to try to make it better or at least not as bad as ...

So unemployment is not projected presently to pick up until middle part of next year, I don't think.

But I am just trying to track this timeline.

the lending rates both in terms of interest and time are so severe that it makes the property almost become a nonperforming asset