We are about keeping pace at least, and maybe ahead of, the foreclosure rate for that population.

We will be naming names. We will be naming individual banks against more than five of these different service measures starting in early December.

But you had a number.

All right. But from this point going forward, it cannot take you more than a couple of months. I mean, they are into the pipeline.

And we are very glad to see those changes. We are very pleased.

So then let me see if I can understand this the other way.

On regulatory reform, the very rules that will prevent this crisis from happening again, that process is just starting.

There is little to inspire confidence in the balance sheets of the banks, and the health of small and mid-sized banks remains a very serious concern.

I worry not only because of where we are in this crisis, but that the factors that led us to this crisis have not yet changed.

Ninety-nine of these banks have failed so far, as you know, and we have more than 400 on the watch list.

The financial sector that we talked about a year ago as too consolidated, too big to fail, is more consolidated than it was back then.