Patrick McHenry actually said...

the key thing to understand was that FHA and our fellow housing programs were intended for the least among us, not the greatest among us.

So if we just left this as it is currently structured, we could be back here having this same hearing in 5 years.

I certainly appreciate that and I appreciate your willingness to answer questions today.

I would like to see Fannie Mae and Freddie Mac be done away with and go back to the private market.