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My last question i want to ask you guys and youre going up to the hill later this afternoon to testify on a different topic, how do you see the lack of action in terms of congress on authorization of the use of force . Just the stasis and stalemate, whats your evaluation all of you, what does that mean in where the u. S. In these campaigns and campaigns coming up on the 15th your anniversary of the 9 11 next year. How do you sort of see the politics here at home. This may be over cynical but i think its a reflection of the fact that the body politic to include people on the hill ultimately do ...

Question, is it a problem . Is it not really a problem . What we do see is that every month of last year, from the Census Bureau ser survey data, manufactured housing lending was up from the month before. And the leading manufactured housing manufacturers are quite profitable. So i dont know what to make of some of the concerns people are raising to me. But i will say that this issue of costs on a smaller loan, i think, is a universal issue and problem and one that maybe we should be thinking about whether the thresholds are exactly right. Thank you for the time and i would close by saying i p...

Otherwise would be required to pay and might be subject to further costs and Court Proceedings that is forgiven and wiped from the books. But yes, its meaningful relief for american consumers. And the other point that senator warren has made to me thats wrort making is every time we then correct practices, the same things dont happen going forward, and you can expect the same money being saved each year in the future but its hard to quantify that. It is hard to quantify, but every time a consumer gets a fair Mortgage Loan rather than a predatory one a great deal of help has been created in ter...

To put an exact dollar figure to that. I mention the damage caused by Tropical Storm isabel. That was well over 100 million that was more than just repairing the cost. It gave us more protections. We used that money to build berms, build some of these flood doors and internal pumps. We were able to get that money to make the Naval Academy better and safer. As you see here on the academy grounds, the majority of the structures here are over 100 years of old. From the chapel to where the midshipmen live to many of the buildings here, they were built at the turnofthecentury. There is a cost to ma...

And it could result in lives lost unless we have enforceable rules and regulations that protect the traveling public, not just the folks who may be behind the wheel but also passengers in vehicles out on the roads today. Driving continues to be one of the deadliest activities. The reason the framework issued yesterday concerned me so greatly is that it depends on voluntary selfassessment by the industry as opposed to mandatory rules. It was termed by one report even less burdensome than the voluntary one issued under the obama administration. The net effect would be to leave enforcement virtua...