But when we are talking about Federal policy, subsidizing a $500,000 house is very different than helping somebody who is trying to get--
I think it was bad policy to raise the loan limits back up.
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.
I think that when you start giving these salaries out to these people, you have to make absolutely sure you are not being excessive.
If you listened to the gentleman--I have never seen the scorecard.
But is one of the broader sections mortgage modifications?
There is no try.
And are mortgage modifications a part of that scorecard?