So it is really just the complexity of individual issues as opposed--and being able to account for that 29 percent of all land that the Federal Government operates and that is now under your jurisdiction?

It is a tremendous challenge. It is not that we do not know what to do. It is not that we do not have the tools to do it.

we will do our best to make sure that we are, at each turn, making sure that we tilt the balance toward openness.

But you are making a very concerted effort to make sure that we go into the next round and try and roll this thing back.

If we are really concerned about human rights, human rights violations, information is powerful.

As the NFIP was reauthorized, there is no affordability.

The bottom line is I think the solution here is reduce the complexity.

Do you have any estimates so far of how much of the cost of the disaster is going to be borne by private insurance versus State governments versus the Federal Government?

Half a trillion. Sorry, sir.

Thank you, Mr. Chairman, and thank all of you for coming in and testifying.

When you bring in the concept of affordability, you are basically subsidizing the risk, and you are incentivizing people to build where, truthfully, unless they can afford to do it, they probably should not be building.

Just from premiums.

I truly appreciate the fact that you really are looking at the Flood Insurance Program and working through those very difficult issues.

I hope you think we have been pretty kind and gentle on you. I think these are some pretty legitimate questions.

And I guess that is somewhat the problem there, isn't it?

I rise today to join my Democratic colleagues on the House Budget Committee to staunchly oppose the budget proposal we have considered last week in committee. Mr. Chairman, I was not in Congress last year when the budget was considered in…

Many of us know that our small community banks or credit unions are the lifeblood of economic growth in our small communities across this great country.

Clearly, they face a lot of challenges in this hyper-regulatory environment.