It is going to be tough, but let me say there is a 15- basis point fee on every loan that closes on this that goes into the credit that is issued by Fannie, Freddie or FHA; it makes the taxpayer whole, plus $11 million. It is right for the housing market. It takes us back to where we were. It doesn't add any additional liability. The PRESIDING OFFICER. Who yields time? The Senator from Alabama.
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