The government has, in many ways, been complicit in a way to cause those consumers that we are so concerned about to have an inordinate amount of debt and obligation that has been catastrophic for their lives and their families.

Chinese hacking is hurting the attempts by the people of China to advance their own human rights.

Allowing for freedom of expression via the Internet will be critical to advancing human rights in China.

Given that understanding, I am not trying to get you out of your box in terms of your focus, but how would you remedy that?

Blocking imports of products that either incorporate intellectual property stolen from U.S. companies or are from companies otherwise that benefit from cyber theft will send the message that we have had enough.

Are these penalties pervasive throughout the country or are they different in different provinces? Does it matter where in China?

My argument has been that people of faith are the most dependable, moral, ethical people.

I want to be as direct as I can without losing them in the discussion.

As far as I know, in the northeastern or the greater northern area in China, religious persecution is very serious.

You may not get an immediate response but you have to stand for what is right for the long term.

However well-intentioned, it will end up restricting mortgage credit, making it more difficult to serve a diverse and creditworthy population.