Jeff Merkley actually said...

I want to join my colleagues in thank you, Chairman Bair, for your hard work during an incredibly difficult time in America's financial pict...

I want to thank you all for the work you are doing and I am out of time.

Yes. It is kind of the beginning of a much more in-depth conversation. Thank you.

There is tremendous concern about the possibility of the QRM and a 20-percent down payment requirement...