The Rule is not perfect, far from perfect, but at least we are talking about a rule today.

We all agree that the disclosure now is inadequate and we have to do something.

the perception of most people looking for a loan, when they go to a broker, is that the broker is working to get the best deal for them.

The current system does not provide that transparency.

we have to go back to the first point, which is accurate transparent disclosure of the fees.

Secretary Mel Martinez should be commended for his effort to streamline the homebuying process.

A third way to get at, maybe not directly this problem, but to respond to some of the discussions.

I think that would have to go, not just in your disclosure form, but in your advertising.

You are going to have to replace them is my point.

Mr. Secretary, I could not agree with you more.

My point is, I understand we have to build it. But maybe I am missing something, but usually we deploy systems that are at least built, not fully tested, but at least built.

So there is a possibility that in September 2004, this system will not be deployed?

Let me raise the pressure that we are seeing back home with the National Guard and Reserve.

This seems to be a departure from the--my assumption that we will build a system and then we will test it.

But there is a political connotation to 'deployment,' which I think has gotten in, perhaps.

Like of all of us, we are expecting the commitment of military forces. I have every confidence that they will prevail.

North Korea has a military force capable of a surprise attack, clearly Iraq does not.

One of the confusing elements is the apparent disparate treatment between the threat posed by Iraq and the threat posed by North Korea.