that would be a very dangerous situation. >> mr. spencer, you mentioned that you had engaged in a consultant to walk through some of the qualified mortgage rules. i think her name was jill. you talked about 1,000 hours that she had to date. >> she's actually on staff. >> she's on staff. >> can you quantify in dollars what it's costing your organization to comply with this rule? >> we estimate that we have invested both human and financial resources of $40,000 to $50,000 over the last 12 months. and to put that in perspective for our operation, we could let you sponsor a house for $70,000 so that's one house we didn't build. >> thank you. i yield back. >> gentleman's time is expired. mr. murphy. >> thank you, madame chair. thank you all for being here. thanks for your time. mr. spencer, i just first want to thank you for everything you do and everything that your organization does for your community and really all of our communities. also want to take a second just