Joe Manchin actually said...

I do not think that is FHA's role.

You are basically saying for all the mistakes that we have made in the past, now we have to go back and really raid the private market.

I would simply say that basically when somebody else's money is at risk, it seems like we have not learned from our past mistakes.

We thought you had to have a little skin in the game. You should be able to afford what you were buying.