Christopher Bond said...

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

The only thing I would add, I took a very high-level law school course on banking and bankruptcy.

I have a philosophical question about that because this seems to indicate that the Federal Government is the one that is...

I think if I had to characterize what it's like, it's like needing to design and implement at the same time.