secretary adrianne todman, director thompson communities challenges because your agencies are at the center of our office, of our efforts to lower the cost of housing. your agencies don't build housing but you are on the front lines of our housing markets. your job is to ensure there is affordable financing for the housing that builders and hosting providers create, that families can buy their first home. and, as americans get older, they can live safely in their homes. but if your agencies have announced changes and should help increase housing supply and bring down costs. following calls from senator reid and me and others, i've acted to prevent test to financing for affordable rental housing through fha and the federal financing bank. this will help housing providers and states build and preserve more affordable housing for renters across the country. the long-overdue update to loan limits for effective housing it's new guidance to support conversion of old office space and bones will open up new housing options, especially in cities like cleveland. fha has eliminated up front fee