Mike Johanns: “I appreciate your candor, because I think everybody knows that is the obvious answer.”

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.

Thank you, Mr. Chairman.

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 think it would be beneficial.