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And the reason we had to pay that is because unless we put 20 percent down and financed 80 percent, we had to have the guarantee in there just in case of a default.

That loan isn't a loan, it is an albatross. It is a moral hazard.

Let us recognize that a family may not be able to afford a home. The prices may be too high and the family's income may not rise with those prices.

My only fear is that I would check in but never leave.

The Federal Government's involvement in housing finance is predicated on the idea that it is not only helpful but it is also necessary.

What you are dealing with is democracy, and it has nothing to do with the finances.

And at what point are we going to start to speak out about what is legitimate and what is not, instead of pretending that somehow we ignore the obvious?

Well, and that is, as our democracy would say, is protecting the rights of the minority. And when you do that, it has good results.

When you do that, it has good results.

We are all about freedom, and we are all about free speech, and we are all about a competition of ideas.

And until we start to actually articulate our concerns, you are going to have these, you know, abnormal issues that we have to address.

Well, then my question comes to this administration, because largely we are silent on that too. This is not a Democrat or Republican--we have been silent on it.

So what is the difference? Because I agree. And if you look at Tunisia, you can look at, from a coalition standpoint, a very positive direction that we are seeing.

So do you have situations where, if certain requirements aren't met, that you give them an opportunity to do that?

Thank you, Mr. Chair. I don't think I will need that much time.

I agree with Mr. Capuano. I think we all believe that there should be a solution here with a backstop.

First, people should be able to afford a place to live.

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