little confidence in that. that's the unfortunate circumstances we find ourselves in today. >> let's turn to another moment in your committee, in front of your committee. during an exchange with the housing and urban development secretary ben carson, he was talking to you, he appeared not to understand a basic housing term called real estate owned, which unfortunately is going to be all too familiar to a number of americans who lost their house in foreclosure. let's listen to the exchange. >> i'd also like you to get back to me if you don't mind to explain the disparity in reo rates. do you know what an reo is? >> oreo? >> no, not an oreo. reo. >> real estate? >> what's the o stand for? >> the organization. >> owned, real estate owned. >> somebody owned somebody there. >> what do you make of that? carson said he was having trouble hearing you. what's your take away after having had that exchange yesterday? i'm sorry, but respectfully