Christopher Dodd actually said...

Many feel as though if you could do something on principal forgiveness, making it possible for that value, the equity to be able to increase...

But we also recognize that we have got to reform this fundamentally, and how we do that is still open to some debate.

But we all recognize, I think most of us do, the value they are playing right now in terms of stabilizing the market.

FHA has been absolutely critical to stabilizing this market.