Cynthia M. Lummis: “So now is the time to think creatively about how to help families purchase their first home.”

So I think it is important that we talk about how we can get past this and find alternative housing financial products like land contracts and lease-to-own agreements that have fewer hurdles and that do not protect consumers adequately.

I would call to all of your attention an article that was in Cowboy State Daily yesterday.

I want to thank you for that.

So you are talking about places that have extraordinary insulation needs because of our cold winters.