Tommy: I'd like to speak to someone about a mortgage renovation loan rates The current regulatory paradigm is if you want to do anything you must go to the regulators and get permission to do it and only after they give you permission can you do it. We would like to change the paradigm to be you can do it without getting anybody’s permission as long as you do the following things and then let the market adopt it. Once the market has adopted it for a while then regulate it once we have some idea of what the good and bad aspects of this thing are. I think the big quid pro quo for doing that is data sharing and transparency.