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. >> how do these securityized loans get detangled in a timely manner in order to prevent tenants fromus with us foreclosure -- from a tumultuous foreclosure process? what are your ideas in that area? >> again, i would be happy to spend time talking to you about that. in the market we created for housing and finance, we have made it much more complicated in many ways to work out economically sensible restructuring of loans backed by real estate that may have been possible in a more simple system in the past. you are citing one example of that. there are thousands of examples across the country of that. i think the reforms that this committee has put forward to try to improve the way that securitization works in that area would be helpful, but they will take time coming, and they will not provide immediate relief to the problems you are facing, but we will spend time looking at how to address the specific problems you referred to in new york. >> thank you. my time has expired. >> the gentleman from illinois. >> thank you, mr. chairman. mr. second, it -- mr. secretary, it seems the g.s.e