Mike Johanns: “Leadership is not about convenience and being available when it works into someone's schedule.”

It is Congress who will create the next housing finance system and that the next housing finance system is not the conservatorship of the FHFA.

I just hope we are not over-engineering something here.

Thank you, Mr. Chairman.

Somehow we have got to figure out a better way, because at the most important time in this person's life, when they are crying out for help, it should be a simple, straight-forward pathway to access that help.