This is an important issue and one that I actually hope and think presents itself for a great opportunity for compromise.

I hope that this year we will be able to go forward. I think many of us see a value in expanding this program and making sure that it works.

Let's not pretend that it is the panacea and answer to every issue that faces people with housing problems.

I don't think you can stuff Glass-Steagall back in a bottle.

I am convinced that anything that we ever do will be gamed, which is why Congress exists, to play whack-a-mole with everybody else.

I empathize very strongly with the idea of getting a little more flexibility and getting the Federal Government off your back a little bit.

I don't know why we couldn't pass an expansion 2 years ago. I don't know what the holdup is now.

I totally agree that we need to be careful, and that is what we are doing here.

I want to get it right, too.

I actually think that the comments that were made earlier on competition and choice and level playing field and coordination of regulators are all 100 percent correct.

The only thing I am interested in is having no more taxpayer bailouts for people who give out mortgages.