Jeb Hensarling actually said...

if you want to bet on conspiracy versus incompetency, incompetency wins every time.

You did say in the report you determined government housing policies were not a significant factor in the crisis.

I was hopeful we could move as a Commission to the fundamental causes and understand them. We got side-railed in a partisan, political way.

I think it is sad that such an important work is hard to take seriously when it was conducted on such a partisan basis.