1. We have been discussing on the red flags and symptoms in fraud investigation as several signals leading toward Countrywide mortgage lending failure. Reflecting what you have learned and give it some thoughts, are there symptoms or some red flags you can observe to help you consider in the position that we are into a risky housing market currently, and the situation may burst into a bubble or a systematic housing pricing failure may come up soon? Is it going to sustain? Why or why not?