Worker safety should be considered in developing plans to fast-track installation.

NERA's analysis finds that these regulations will decrease employment and increase electricity rates.

I think that Dr. Gooden has likened the current high-stakes test of accountability to an educational autopsy.

the counselors, not the array of new Federal foreclosure programs, that have helped many families restructure their budget

Remember, there is no free lunch.

I fear that by eliminating funds over the 2,300 HUD-certified local housing counseling agencies, many seniors and first-time home buyers will lose access to housing counseling, and that is unacceptable.

We must allow the private sector to capture as much of the mortgage market as possible.

I believe that we currently work together very well. I believe it would be very premature to propose this type of move.

Our housing finance market remains fragile. Congressional action, Administration effort, and government programs would help to address the economic and housing upheaval.

I hope my testimony today has contributed to greater understanding of Ginnie Mae and the value it contributes to our housing finance system.

The Administration believes a meaningful reform is needed so private investors can return.