However,, however, borrowing tightened up, but what happened are secondary
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Thus these people were money that have been perhaps not gonna be securitized because of Fannie mae, Freddie Mac computer, otherwise because of government funds, Ginnie Mae Ties, that’s FHA financing, Virtual assistant finance, and USD outlying housing finance
Tim Peterson: Most of the areas were where, a lot of the large, a great deal more competitive places, hence is actually every where out of Arizona on front range of Colorado, the Denver sector, Utah, [crosstalk ]-
Ryan Isaac: Is this type of merely some body swinging?