GARY G. MILLER: “I think we are in far worse shape than people want to recognize and understand truly.”

If we are concerned about empowering consumers, we really should be concerned about their safety.

Whether you support GSEs or not, if they are out of the marketplace in this market, it could be devastating.

For the past century, and through multiple financial crises, the State-based insurance regulatory system in the United States has been successful and has protected policyholders.

I enjoyed your opening statement. You talked about empowering consumers, fair, transparent, and competitive marketplaces, and dealing with bad actors.