Yes, I do. As a point of information, there are very strict criteria from the FHA and from the individual banks that are voluntarily participating, and one of those criteria is that you must be current on your payments. You must be current. What the gentleman said was inaccurate, that they could be behind on their payments or not making their payments. They're having difficulty making it because their home value is not equal to what the mortgage is. And so it's difficult. But they must all be current on their payments. The CHAIR. The gentlewoman needs to confine her remarks to the point of order.
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