Robert Menendez actually said...

There is a difference between a free market and a free-for-all market.

we have not had any success in convincing the regulators that there seems to be one systematic regulation concerning home builders throughou...

It seems to me, and I would like to get your perspectives on this, how do we get banks to commit to lending for real estate projects again?

I do not think we are going to move the housing market until we get the regulators moving in a different direction.