GARY G. MILLER: “This is the most difficult housing market I have seen in the 40 years I have been involved in it.”

Yet, by requiring this Davis-Bacon mandate, we are beating up the price of apartments and condos and townhomes by 20 to 25 percent.

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

It is essential that Congress fully understand the impact international regulatory standards will have on the competitiveness of U.S. insurers.

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