[Moe Bedard]

some of the loans such as my loan which was one loan had lender paid mortgage insurance and rather than pay for it monthly I paid for it in a rate................so yes the investor still does insure those securities as well..............

My point was that since the help is voluntary and not mandatory it is not happening in a broad enough scope..............there are still many millions of homeowners still not getting the help they will need............and again it was just an observation and an opinion based on my experience........