Andrew Garbarino actually said...

I think we have a perfect example of how they are harmed when you look at what has been going on in New York City.

I don't think it would be a sound proposal.

when you limit rent increases, when you limit deductions that can be taken from capital investments into upgrading these apartments, you see...

What we think you are doing here by assessing higher fees on higher-credit borrowers is you are actually contradicting the statutory mandate...