What about the--I raised this with the previous panel--about the QRMs, the 20 percent? It seems to me we take out a huge class of individuals in the country who could be responsible borrowers and help us in this process.
Menendez questions the impact of QRMs on responsible borrowers.
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Unless we work with those countries to assimilate those individuals, I do not care what we do at the border, but we will have 25 million feet marching northwards.
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