Christopher Bond said...

I am delighted you said they would not require an end-user to clear hedging.

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

And I thank you for outlining the tremendous budget squeeze we're going to be facing this year.

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