The big question is then, is this delay (or delays) doing any good to anyone either now, or in the long term? I don’t believe that the delays are entirely based upon the premise that house prices will improve. There’s got to be a work over-load element, and chaos to this story. If the market ever gets back to normal (however you wish to define that), and there is still a huge inventory or back log of unprocessed REOs, what happens then?