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okay were here to do another show of sovereign or slave and today were going to delve into foreclosure issues once again and today I have a guest with me who does mortgage lending and hes familiar with the lending process and were going to talk about securitization and securitization is a process that has is fairly recent in history because I dont believe that before 1990 that there that they were doing securitizations but Im probably wrong and so we are going to talk to mr. oak tyst Jeff thank you very much for that wonderful introduction and I really appreciate that I hope and I look forward to useful presentation and and make sure that we covered basics on the mortgage lending that includes the securitization issues so having said that and where does it all start okk well thats a very good question it started in the 80s but securitization has always been part of the mortgage lending processes but what happened is that recently what you heard about securitisation fraud than o