Well I don't know - I have been watching the channel that is showing all the government hearings off and on - the day Lexis-Nexis and ChoicePoint was there was not a pretty site.  Our government officials were not laying off of them.  Another show I just watched last week for a little of it showed that our government is really cracking down on the cover-up of costs of lower income to middle income people are incurring to get loans.  Government is watching everything very closely right now.