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Gou ... what if I was the tortilla setback for US banks now credit unions are threatening to sue them for ... still the five major bank that is ... a must in refunds and fifteen billion dollars of mortgage backed securities sold during the boom ... Liz Rappaport has details on that in the Wall Street Journal thing she joins us ... now on set with high on a morning ... when I guess pushing the surprise here but we're continuing to see ... a lot of trouble unresolved issues related to today's mortgage backed security yet definitely add that at the time ... know ... the one who could argue that all a lot of litigation is probably just it just beginning to think a lot ... of investors and institutions are syrups if still sifting through what they have what they had and ... you know what really caused a problem so he adds anything you can look right there you see just how many so we're talking about will still trades if you answered quickly explain ... the issue hard here especially when we did not meet the demand for these fees are still pretty well wholesale credit unions are essentially kind of like parents of credit unions to the rest of the Hope credit union Test coming ... where a where a corporate credit union or union credit union ... you may have like three or four employees than ... that help manage it you know that the wholesale credit Union takes the deposit at the Gatton and bathtime ... and a half and also ... does a lot of spare processing like ... Jack Payment ... processing things like that of the view that the credit union needs to do I know when you are we stayed at the time PCs were rated AAA which of course is another issue right and and I think we'll probably come up in any litigation against litigation stage ... still when you look at the chart it seems remarkable ... that still does so much of the investments of these ... of wholesale credit unions will going into one single category ... of best ... write it definitely shows that the credit union's year which were ... really are not like banks in the sense that they don't underwrite things are really just the buyers of stock ... you know ... made a lot of the same mistakes that everybody else ... overseas it was Credit so what are they a good ideas presented its should they be blamed for the lack of diversification or are they saying they were duped basically by some these banks ... to take him to Madrid ... well I think ... in fact the NCUA house ... um filed a lawsuit against the ... directors and officers of of West Cork tell if they're not just saying ... you know they're not saying they're completely did this are saying ... look with it there were mistakes in core management that decisions made here but they're also saying ... you know what a lot of people have said that the banks ... knew more about how problematic the mortgage loans were that the packaged up and then they even let on energy and twenty pages of risk factors that we've been in offering documents that's the art ... and ideas we should expect to watch their shares today see how they ... treat and I just as your seat that investors seem to think so ... I I I I suppose so I mean there's so much litigation against the banks I'm not overly Hector stock prices but ... you know it's it's impactful for that reason the top down and it's very quickly which is that it may just not the the ... the regulators and credit unions ... some obviously some of the review has also might have similar