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

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 have some very serious problems with the way we deal with surviving spouses now.

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

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.

People who live in their homes for 40 years under this situation should be able to stay in their home until the last spouse goes.

I want to focus on what the problems are.

Yet, because of a law that makes no sense to me, we are not allowed to use that to offset their principal.

I would like to get the reverse mortgages out of the MMI.

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