I don't believe for 1 minute by disincentivizing people that you are helping them.

As our families continue to crumble, as we don't have that family nucleus, we lose what it is that is uniquely American.

Getting up with a purpose every morning is the key to it.

It seems to me like we don't reward good behavior, but we make people think about, well, maybe it is better if I am not married.

What are the underwriting standards? Why is a loan made to someone who is unable or unwilling to pay for their insurance on their home or taxes?

Chairman, thank you. How many lenders are in the reverse mortgage business? Is this a wide group of businesses of lenders?

Is the only recourse on a reverse mortgage loan the equity in the home?

So the $625,500 is the maximum----

I may have missed this. Is there a maximum amount that HUD guarantees?

Are those interest rates fixed or variable?

And a senior citizen in Kansas, they would have an option of discussing this with somebody at the Area Agency on Aging.

We need to make certain that not only is home ownership possible for millions of Americans but that the value and equity in that home can be accessed without tremendous exposure on the part of the American taxpayer.

It is critical that the potential tremendous strain that the HECM program has placed on the FHA Insurance Fund is addressed in a very meaningful way.

For generations, Americans have had the impression that homeowner is the financial cornerstone of our society.

What is the average amount of the amount advanced--what is the average amount advanced under a reverse mortgage? What kind of dollars are we talking about?

Later today, Senator Grassley and I... are going to introduce legislation to open up the Medicare database.

I am out of time, but I think Mr. Brill had a comment.

is there any chance of expediting some of that in a responsible way?