Cynthia M. Lummis: “Water is the key to life.”

So now is the time to think creatively about how to help families purchase their first home.

the more requirements that are placed on them by us, federally, the harder it is for them to spend the time, the paperwork, to do those small mortgages

I want to thank you for that.

The problems that you are solving with your approaches are extremely important.