The most recent CEOs of Fannie May and Freddie Mac are just not credible. They’re acting as though it’s the housing market’s fault, it’s the economy, it’s poor people wanting homes, but what they don’t want to except is they made decisions often against the advice of their chief risk officers. When faced with that, it’s stunning because they were dealing with hundreds of billions of dollars and the effect on housing policy and our economy has been quite severe. And they don’t want to take responsibility.