The checks in the mail and when it arrives it will bounce. Last time I checked this economy is on the brink of (FNMA) possible collapse and any one who thinks shareholders are getting treble damages or 187 billion returned will no live long enough to ever witnessed that event.
I'm with FNMA - 10 years. Let say that average adultery age is about 80 years, make your math - we spent/wasted 12% of our life in order to reach the point when we see the light at the end of a tunnel.