Mike Johanns: “The more I have rolled that over in my mind it seems to me to be a wise policy to try to build that marketplace instead…”

I think it would be beneficial.

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.

But to anyone who might be listening in who is wondering if is it time to give up, it is not.

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.