I do not have any other speakers. I did want to take this time to say that I want to also thank Commissioner Brian Montgomery of the FHA. He is really one of those people when he started this, he came into the offices and talked to everybody, he really should probably take off his tie and have a t- shirt that says, ``I'm from the government, I'm here to help you.'' He has a lot of enthusiasm and a lot of belief in this program, and cooperated so much for this important bill. I just want to say that, again, I want to thank the gentlewoman from California, Mr. Frank, Mr. Oxley, both sides of the aisle, and the staff. A wonderful staff. We present a bill today, it looks kind of easy. A lot of hours were put into it. And also some wonderful, thoughtful suggestions came from Ms. Waters, from Mr. Frank, to take a good bill and I think help improve and make it better, and we appreciated those changes in working with all of you on this issue. I can't stress, Mr. Speaker, how important a bill this is. If we didn't step up to the plate now, I really wonder where the FHA would be. Mr. Speaker, I reserve the balance of my time.
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