Michael Capuano actually said...

And I say that because all this discussion about somehow you have done something wrong is ridiculous if you believe that homeownership and m...

I think it is a fair debate that we are currently having as a society where the level of homeownership should be.

That would obviously address your concerns. Is that a fair statement?

I wouldn't associate myself too much with the rating agencies after what they did the last couple of years.