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Now, i know that the end of the last panel, or the first panel, they got a little bit into credit risk, so they tried to take our territory, and this one should be better, so everyone should understand that. I just, maybe ill introduce the panelists first. It is going from my last, to the far left, mike calhoun first, the president for the center for responsible lending, and then dana ganford now the ceo of the Global Mortgage Group at rg capital. And lori goodman is next, here at the urnen institute, she is the Vice President for Housing Finance policy and then last is David Finkelstein who is the chief Investment Officer for analy capital management. And i think we start with lori who has a couple of slides, and will take us through some of the data on history and development in credit Risk Transfer. Yes, just for a very short time, i think you did such a good job of mentioning, credit Risk Transfer actually started in 2012. And the idea was to reduce the overall risk of fannie and f

United statesTodd hillChris mayerFreddie macMike calhounLori goodmanGlobal mortgage groupMortgage groupVice presidentHousing financeDavid finkelsteinInvestment officerUs dataData historyHistory developmentDevelopment credit