Patrick, I maintain that this guy, Demarco, is lying. He says he wants to end government involvement in the GSE's and wind them down. However, Ben Bernanke has said that there will be a government backstop to mortgages, whether GSE's exist or not. That is the sad truth. Houses would be worth a dollar if he didn't stand behind that or make the government stand behind that. Bernanke is in charge.