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Yes, I actually do want to thank and acknowledge the Consumer Financial Protection representatives on behalf of all of this kind of educate themselves. Of course, it is very important to know what your options are, what you're dealing with, but not specific guidance.
Of course, it is very important to consumers -- and what can I ask how to improve your credit score you a your credit score part of the mortgage finance system was very challenging. So there was not representation from all of the things on the titles.