[NEMDF]

I believe that when this program changed four years ago, the banks were the ones cut out of the system. It was taken over by the federal government. So the point about banks not giving out loans to people is moot.

[napscoordinator]

I believe that when this program changed four years ago, the banks were the ones cut out of the system.

Are you sure? I thought it was the loan guarantee agencies that were kicked to the curb.