Is it possible that what is really going on with the "help" to stop forclosures, is that homeowners who might walk away from their mortguage are being "forced" to stay i them? If all shit hits the fan I do not see people being all that worried about their credit. So a forclosure is really no big deal at that point. Is what would happen is everyone walks away and they are out of that loan? So now that they arenot being forclosed on is it that when we come out of this mess people will still be tied to these loans and will pick back up where they left off? If this is the case then in effect all this forclosure "help" is actually a benifit to the banks.