There is another issue here and that is, even with all these innovations, the question is what happens if the individual borrower discovers that they have been misled or that the terms of the package have not been complied with?

Well, one of the problems, Mr. Secretary, in trying to understand all the ramifications of the Rule, is that the damages are limited, I believe.

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.

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

I think if you are, as you are, quite sincerely proposing that this Rule go forward and it be enforced, then we also have the responsibility to request the resources and the authority and the personnel to enforce it.

One of the other concerns that we have heard, particularly from realtors, is that they often have relationships with service providers, whom they know to have high quality and very responsive, et cetera.

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

Secretary Martinez should be commended for his efforts and leadership to streamline the homebuying process.

There has been some concern that large companies will have an advantage in offering these GMP's.

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

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

As we all understand, the American public is terribly concerned about developments around the globe and even within the United States.

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

We need a booster rocket that has not yet been integrated into the system.

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

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

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

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