I can't imagine anybody in their right mind would want us to go back to the 2008 standard.

I guess the next question I have really is, what if you are wrong?

Do you have the ability to make a quick, even if temporary, adjustment to your rule to address something that maybe your estimates were wrong on?

I think some of it is legitimate. I am sure you share some of the same concerns.

I am a defender of the CFPB and I am concerned about some of the details and that is all well and good, but for me details--we will work out what we can do.

I am interested in the availability of credit.

So the biggest problem is the reverse mortgage part? I just want to make sure my understanding of the whole math thing is correct.

Thank you, Mr. Chairman. And I want to thank the panelists for being here and for your enlightened testimony.

Obviously, we all agree that we have some issues with it, though obviously, there may be some differences on the extent of those problems and what to do about them.

I think that raises questions. And, personally, I would have some problems renewing those contracts with people who won't take your suggestions, if not your insistence.

Over $30 billion that is sitting there waiting to be--if necessary to be used.