Again, phony documents, just like (US taxpayer owned) GMAC. Eventually, this is going to catch up with all the big lenders, I would think. And then what? Maybe another year or two before it’s straightened out? Such a moratorium might give time for the market to recover a bit and lift underwater homeowners closer to the surface, or, more likely, it will just prolong the inventory clearance that I think is necessary for prices to recover. Well, we’ll see.