It is incompetence, these guys are dropping money like it is nothing, and maybe to them it is only pennies on the way out from the biggest bank heist ever, but they certainly are not maximizing their return. Let’s see there is now the two mailings of the DS and now the POR, this is needless and pointless simply a waste of company assets. Their arrogance is going to sink them and JPM and the FDIC can only be held to account for so much, after that it is all them and I think we may just need to go after them as well for some recovery.