http://www.mortgagenewsdaily.com/channels/pipelinepress/03112013-ginnie-fifth-third-cowboy.aspxWhen they asked Michelangelo how he made his statue of David he is reported to have said, "It is easy. You just chip away the stone that doesn't look like David." Maybe something similar is going on with bankruptcy filings: they're going down - but becauseenCommunityServer 2008 SP2 (Build: 31106.96)