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That should be obtained on the bank’s earliest mortgage underwriting from the very beginning Once the Assistant Gensler said, most of just what gets integrated according to the supposed off predatory financing is not reflected during the financing records, also it is very hard to follow underwriting conditions you to definitely is reviewable, state, in the process of undertaking research into a securitization. You never have confidence in instances when your raise the loan where there’s not enough non-mortgage property that could be used to repay the loan, that would never be obtained anyplace? Mr. BENTSEN. My go out is …