I also want to thank you because in this, I don't know, we have been here about a couple of hours now, you provided the one point of light so far which, to me, was the only thing that I think I have heard that I could act on.

But you didn't steal HOME money. I get that.

So what you did when there were competitive bids is you would get on the phone or in person with your co-conspirator and say, 'This contractor over here has already bid $10,000, so you have to bid $9,000.'

Yes, that is true if you do it right, but it is not true if you are in conspiracy with a co-conspirator outside.

I would like specific recommendations about what you think we should be doing to increase and enhance the oversight of the HOME Program.

As stated earlier, an effective Inspector General must be diligent and encouraging and at times insisting on strong oversight and transparency with any government.

I don't want to interrupt you. Are you finished?

I would have rather gone right to this panel. I think you gentlemen have more to offer to the things we really want to do than we just did.

we have spent an hour-and-a-half on a dog-and-pony sideshow that in my opinion, wasted the time of Congress

I am very concerned by attempts to delay implementation of the derivatives provisions in Dodd-Frank.

Such funding restrictions are simply unacceptable, given the new responsibilities provided to these agencies after the historic financial crisis of 2008.