Tim Scott actually said...

the mortgage market was good news for all around, that more opportunity for more consumers and a wider path to the American dream

What we heard from that hearing was many of our citizens were very thankful for the responsiveness of both agencies.

Do you have any recommendations for ways to reduce the hurdles or the bureaucracy that is in your agency?

the only way that we have been able to recover truly has been through the assistance of both the SBA and FEMA.