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Treasury collaboration with congress is vital to the admission and we are working to make it that way. I look forward to answering your questions. Thank you, appreciate your comments at the Regulatory Reform and protection act and appreciate your encouragement that would move quickly. I appreciate your comments on Housing Finance reform, my highest priority in many. In the annual report last year, one recommendation was the regulators and Market Participants continue to take steps to encourage private capital to play a larger role in the Housing Finance system. I agree with that goal. Can you elaborate why it is important to play a larger role in what steps you believe we can take to further encourage . I believe in the importance of the 30 year mortgage. ....