William M. Thomas: “Government housing policies did contribute to the problem. Government tax positions also contributed to the problem.”

And beyond that, it is even the kind of company that one decides to form, because under current law, depending upon the way in which you organize your company, you get the benefit or not. If he is self-employed, if he has a proprietorship…

And in addition to that, because one of the things we have tried to do is to take a look at what States and companies are doing in the private sector to get some ideas about whether or not it works, if you take a look at the employer…

He did not make it here. I was accommodated. I used my time, and then the chairman goes ahead, and this is typical of the way in which you turn things. The chairman goes ahead and then, in inference, accuses me of sandbagging the…

Community banks, basically when you move from that model of originate to hold to originate to sell, got pushed out of the home mortgage market pretty significantly.