As part of this, the other problem that I see looming, and you've touched on it a bit, is the heated-up housing market. Do you not see, the way things are going, that we could be into a serious crisis with people going in over their heads, turning to some of these, as I understand it, fly-by-night companies to get mortgage insurance when they can't get it anywhere else, or to get mortgages when they can't get one anywhere else, and risking a huge loss and critical downturn for many communities?
On October 19th, 2006. See this statement in context.