No problem crawford. I thought those were your conclusions. I speak casually about FnF to many people including business people and managers of highly established brokerage houses were they move millions of dollars in their accounts and they have the ignorant and ridiculous conclusion that Fannie and Freddy were the cause of the 2008 financial mess that we are recovering from now. Shows you how little some of these people in our society are who happen to be leaders. I had to explain the facts to my broker and he finally did his DD and agreed with me. But it took that kind of effort to clear the air. This is why I rush to judgement when I hear ignorance spoken in financial circles.