Christopher Dodd said...

The fact that it is at 14 percent speaks of another larger--coming down to the point where whether or not someone is in ...

Well, who is standing up? I think Professor Eggert said it. You have got the investor and the homeowner that are here, a...

You're entitled to your own opinions, but not your own facts.

The hearing will come to order. Let me apologize to the witnesses and to my colleagues.