Okay slow down. I think if you asked any of the 20% who are not paying why? you would find they lost jobs or income because of the economic slow down. I think most would like to sell their homes and move on but cannot. There is a reality, most Daybreak Homeowners are upside down in their investment. They either paid more or owe more than they will get out of the homes for several more years. I think it is short sighted to put more pressure on struggling homeowners. If you force their hands they will walk away from a bad investment and leave the property, its maintenance and hoa fees to the bank. We get nothing but diminished property values and an emerging ghetto. I would prefer an IOU over a vacant property. I think compassion is a more desirable trait than self-righteous indignation.