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Thank you very much. I was thrilled to join this group of esteemed colleagues on an issue that is near and dear to my heart. Some of you may know i have spent about 24 years in the senate trying to help ensure that americans had stable and affordable and decent housing. I will tell you the last 16 months, i have learned from my fellow commissioners a lot more in than i learned in the 24 years, plus what we heard from the people who came out for hearings. We know that millions of americans continue to do homeownership to be a part of the men in 10 american dream. With benefits will beyond the initial investment. American dream became the american nightmare when families homes were foreclosed upon, communities suffer, and Financial Systems experience great loss. We really exceed any consequences and now this might must not happen again. One of the best ways to help ensure families keep their homes is through housing counseling and Financial Education. For homeowners who have housing coun

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