>> speaker gingrich said tonight, i don't know if you agree with him, he said, if you repeal dodd/frank, which everybody says, repeal dodd/frank. he says that overnight, the housing industry will do extreme well. it seems like all of you lay criticism on dodd/frank twasn't passed until july 2010. our problem started in 2007 with the stupid credit swaps and the toxic credit swaps with people borrowing money that shouldn't be borrowing. why are you demonizing dodd/frank so much? >> you have to go back to the start of the problem, with the financial meltdown of 2008 because of fannie and freddie. that started this whole housing meltdown and the financial system meltdown. and then on top of that, the democrat congress thought they were trying to fix the problems