Christopher Bond said...

A bunch of money was dumped on them with a bunch of requirements that were impossible to meet.

Foreclosure counseling is not good enough. There has got to be pre-purchase counseling before somebody buys a home.

if they alter significantly the way people do business back home, we want to make sure reform is done right.

That was a mistake, in terms of cost, productivity. So, that is a signal not to put timelines on it.