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the economy. we re looking ahead to identify and address challenges facing small businesses that will be important to overcome to build a competitive economy. in march, treasury co-hosted a party that had business leaders and academics to draw additional attention troubles facing small businesses, reducing barriers to their success and find new ways for the private and public sector to work together. with that, let me thank you again for the opportunity to be here today and reiterate how appreciative i am of this committee s work and the commitment to america s small business. i m happy to answer any questions you may have. thank you very much. we ll have a first round of questions by the members. we ve been joined by senator cardin from maryland. we appreciate him being with us this morning. before i want to get into the questions, i want to submit things for the record that i found quite encouraging. one is a document i received about a couple of weeks ago from the vistag
will you say that fha has the capacity to absorb the multi-family i think fha does an excellent job in a lot of things but they would have to do more in this area if they were going to provide the role, a substantial role we think is important. so they would have to take on some of the work that fannie and freddie have been doing in multifamily. if of all of the programs, to reduce the government s role, how can we begin to withdraw government support from homeownership without placing too much stress on our financial system? you would have to move very, very carefully. we have started to move but we are doing so carefully because again we cannot afford to take too much risk that we jeopardize the system. as we all know, unemployment rates are very high, and just millions of homeowners who are still at risk of foreclosure. you have house prices that are under stress. again, a huge amount of damage, we have