kelly we love you. you are a classic but honestly its not fannie freddie who are the crooks they did not make the loans only resold them sort of like you buy tide detergent from a wholesaler to sell to supermarkets and it turns out its contaminated. not the resellers falult. i think two bucks. by the way the cancer is back now for a sixth time so i may not be here to sell it. ill keepy9ou posted. god bless.