Jeff Merkley actually said...

Sometimes we structure deals that continue to benefit really big investors and we miss opportunities to help out working families.

I thought, you know, here are all these families out there who have a chance to buy a home at historically low prices.

I think it is a reminder of the potential, and that is just retirement savings.

If it gains a taint of fraud on the front end, it will be very hard to improve on that in the future.