the bushe ed ed aadministration pre-em pre-empted. were trying to put legislation through to regulate sub prime loans. the republican leadership said, shut it down. on the day that this committee, democrats in control, began to regulate sub prime loans, it was over objections of several members here who said sub prime loans were good. wall street journal objected and said, there's good loans, 80% of them are paying on time. which didn't seem to be a great statistic. in fact, what happened was this. people on the conservative side were generally pushing these loans until the crisis hit. then they needed an alternative victim -- villain to blame for the crisis. so they became opposed to these loans. now they reverted. there was a period they were blaming us. this is great inconsistency between saying community reinvestment act caused the problem by forcing people to make these loans to poor minority people and now complaining that we have regulated it somewhat restricted those loans. as to the community banks, let me say this. i would b