allowing the fha short refinance programs to be used on the gse inventory. it is my hope to this hearing and a subsequent one that we will follow up by next week that we will develop a housing policy and promote initiatives that gets our housing market moving again. with no other members they see wishing to make an opening statement, let me call upon my two distinguished colleagues for their statements. senator boxer of california, senator isakson of georgia, i'm happy to welcome them. they both have strong records and housing policy and they'll talk about it though they've introduced to jumpstart the housing market and help millions of homeowners refinance their mortgages. with that, senator boxer. >> thank you so much, mr. chairman. i'm proud to be here with senator isakson and he is a long, long profession come a