John Carney actually said...

"What about this access to some of the Federal programs?"

"The student loan albatross around young people's necks is keeping them out of the housing market."

"We have to get it right not only because we could screw up the housing finance system, but we could screw up the financial system as well."

"It is absolutely critically important that we get it right, that we are careful. Otherwise, as you said, we could ruin the financial system."