[Woodland Hills Worrier]

Somewhat off subject, but I am curious as to your opinion on the current debate regarding foreclosure and loan modification. Seems like they are putting some teeth or sweeting the carrot or getting a bigger stick, don't know how to put it, but does your reading of the current legislation look to you like the government is going to start using threat of bankrupticy court principal modification as a way to bring lenders to the table? Do you think the process is so complicated by servicers, investors, and bundled mortgage-back securities to allow any real reform to take place. Would appreciate you insight. Thanks.