Prior to the Foreclosure Summit held on November 14, a series of Foreclosure Workshops were held throughout the state in six locations:  Youngstown, Cleveland, Bowling Green, Columbus, Dayton and Athens.  This matrix gives a breakdown of the responses to a series of questions that were posed at each location.  The responses provided the four major themes addressed at the Summit:  Predatory Lending; Policy and Legislation; Education for Counselors; and Improved Communications between the Borrower and Lender.