GARY G. MILLER: “I just think everybody should be treated equally.”

While I strongly believe in coordination among international regulators, we must resist the tendency of pursuing a one-size-fits-all approach.

You have taken the first law of nature or self-preservation, and you are using it, as I think God intended us to, to protect our persons, our crew, and our cargo.

If you look at the design of FHA, they were intended to play a countercyclical role, and in this downturn, that is exactly what they did as the private market withdrew, they moved in.

I have some real concerns with that. I have had a concern with the definition between subprime and predatory for years, and I am glad to see we are going to finally deal with it.