Robert Menendez actually said...

There has to be some Government backstop here, or else the market as we know it... would not be realized.

looking at the variety of factors to consider in terms of risk and underwriting is incredibly important as well

If I have the roof and it has been leaking and I cannot afford to replace it... I can replace the roof.

Mr. Chairman, we have done best as a Nation when we make sure we are inclusive, not exclusive.