Jack Reed actually said...

So one of the aspects of creating this new--and we all understand this is not going to happen next year, this is a phased adaptation going f...

there is a lot of capital going into this market because of the way it is structured, the guarantee, the credit risk aspects.

the 30-year mortgage would be less available. Mortgage credit would be less available, and the credit availability that you would be able to...

I think you rightly point out the central need to fundamentally reform our education system at the elementary and secondary level, and also ...