after many realtors about this concern and kosovar is attached to people about the actual appraisals for me to have concerns. i thank you for hosting this hearing and i look forward to hearing evidence. as you know, there are many things happening without getting into what is going on tonight been pulled in different definitions, but it have to be here for this because of the importance associated with it. i yield back the balance of my three seconds. >> thank you, mr. green. we are delighted to have our panelists here today. we are going to have to panelists and so we will stand with panel number one. we have mr. william b. shearer, director of financial markets in financial accountability office. thank you for being here. mr. don rogers, president association regulatory officials. and then mr. park, set to any federal examination council. thank you so much for being here and without objection you're witnessing this will be made hard at the record. you reach will be recognized for five in a summary of your testimony and we will start with mr. shear. you each have each have five minu