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11 10, but i apologize for this, but if you could abbreviate your questions. Senator toomey. Thank you, mr. Chairman. I will try to abbreviate my question. Good to see you both, and i appreciate the discussion we had in my office,s mayor castro. I do need to follow up on one of the topics we discussed. Many members of this committee alluded to the ongoing work to reform Housing Finance. While we have a range of opinions about how best to do that, i believe there is a unanimous agreement on this committee that however we do it, its got to involved bringing private capital into financing residential mortgages. At the same time we are having this discussion, as you know, there is a movement under way to attempt by certain communities, to attempt to use Eminent Domain as an argument to justify confiscating mortgages from private lenders at a discount some, who knows what discount to what theyre actually worth. First of all, i think its a blatant violation of contract sanctity if they do th

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