Jeff Merkley actually said...

So are you basically saying we are going to have perhaps hundreds of thousands of new homeowners who are going to have deep shock when they ...

Absolutely. I really appreciate your testimony on that topic when you talked about the 25-percent loss ratio.

I believe that Emerald Cities is also involved in assisting Hacienda Community Development Corporation in developing more energy conservatio...

Well, that's right at the average for students who are coming out with debt. And for many, it does become a millstone, and it's a part of th...