Patrick Toomey actually said...

"We have a system that is in collapse."

"Do you share my concern that this massive explosive growth in the FHA's mortgage guarantee business has interfered with a viable private alternative that does not involve taxpayer risk at all?"

"I look forward to working with you and other Members of this Committee to figure out how we can shrink back the liability of a taxpayer while still providing the security for the individuals who want ..."

"So if the cash had not landed, the Americans would not have been released but we should not understand that to be a ransom payment."