So the Fed may be OK, but the Treasury may be----

What is so frustrating is that you get a very strong sense that there was nothing inevitable about any of this stuff.

Kids can't learn if they are hungry during school.

Does anybody else have a comment on that?

I am calling for some massive additional more effective regulation to regulate the standards, responsibility, accepting the responsibility and accountability both by the agencies and by the companies, uniform national standards, and a system of enforcement.

Thank you, Mr. Chairman. I appreciate it.

There is not one silver bullet to deal with it.

I always like to see a local government guy make good.

We think we roughly saved 4,200 homes by doing that.

It is purely the consequence of the loss of liquidity in the market.

Can you give us some thoughts about how to ensure that the right level of rigor is applied to make sure that we really are valuing these assets and liabilities.