I do not understand why you do not shut the program down for 24 months.

You are losing your shirt on reverse mortgages. Losing your shirt.

Haven't even begun to be serious.

I strongly support the policy Senator Nelson has laid out. As a matter of fact, I have voted for it every single time he has brought it to the floor, and I thank him for pointing out this problem that exists. However, circumstances are…

I'm not obligated on the pledge. I made Tennesseans aware, I was just elected, that the only thing I'm monitoring is the oath that I take when I serve when I'm sworn in this January.

I think the two most important people in these negotiations and I think you would agree are Speaker Boehner and the president. And that's a negotiation that they need to have.

It's only a matter of political courage. Again, no other Congress has spent more time on this.

I think punishment for these types of crimes has to be more severe.

Well, thank each of you for your testimony. It's been really interesting, and I hope something good comes out of this.

I'm just wondering why there aren't mechanisms like that that are employed in many other areas to keep that kind of thing from occurring.

Five percent is by people who are familiar with the----

Thank you, Mr. Chairman, and thank each of you for your testimony. This is a great way to round out this year and start next year hopefully with a focus on this.