Mr. Ed Farrell:

We think we know the exact wording. We appreciate the committee's attention on the matter and the invitation to us. Credit unions feel strongly about it. There is a need in almost every parish and community. Credit union staff know the people who are coming in the doors every week who are challenged with paying for their homes. While we do not agree on all things, this is one initiative in which practically every credit union is happy to engage. I thank members and wish them the best of luck. They have a tough job to address an ever-increasing and complex problem.