Mike Johanns: “If we do not address the issue before us the competitive nature of this system is going to be decreased.”

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.

Our job is to try to figure out how we deal with that puzzle, that very difficult issue of how to provide services to people who need it.

I think it would be beneficial.