i would like to get back to 0 ms. hines and put the human side on this and see how we get into these swayings, whether we are dealing with predatory lenders, whether we are dealing with lack of oversight with the process of brokers and mortgages -- real estate brokers, mortgage brokers, and some personal responsibility. it is my understanding in your testimony that it was you and your sister that inherited the home from your mother and father that had lived in the home for at least 30 years before they passed. is that correct? >> yes. >> and you -- when you inherited the home, was it free and clear? >> yes, it was paid for. >> so the house they had worked most of their adult lives working their tails off to be able to pay their bills in a responsible way, and you inherited the home. what year did you inherit the home? >> in 2006. >> 2006? >> yes. >> and how long was it after you inherited the home that you borrowed money? >> i think it was 2005. it was two years. we went into foreclosure in 2007. >> what year did you get th

people in office are not doing what they were elected to do. >> ms. hines, i want to thank you for your statement. >> i know that my time is up. i know that i seem as mad as hell. >> thank you. next we will hear from ms. fluker. is it fluker? >> yes it is. >> if you will pull the microphone up. is it on? >> it is. >> i don't think it is working. perhaps, if you will grab one of the other microphones, that will be good. >> is this better? >> that is much better. >> i would like to thank the committee for having the opportunity to come here today on this important issue. i am from the city of detroit michigan. we are almost at the top in foreclosures leading to evictions because we are a non- judicial state. hertz, i would like to address the perspective of -- first, i would like to address the perspective of the media perspective that we have all these media reports that people bit off more than they can chew and moved into homes that were beyond their reach. this is not true. the majority of people in subprime mortgages are the working poor, minorities, and

ms. hines is a lifelong detroit resident and a social worker. she brings to this hearing her personal experience of losing her family home of 37 years to foreclosure and of being evicted from back home. ms. hines has turned those people experiences and to valuable resources that she uses to assess orders of facing -- she uses to assess others facing foreclosure. . . . >> in this small room, we all pressure service to the institution and as an out going member i appreciate the contribution you continue to make. >> we thank you very much for your service. >> thank you, mr. chairman a year ago, the house took a vote. the levels in 2009 were the lowest estate tax levels, in 2009, it was at a lower level ever than under ronald reagan we had phased in, in 200 # $2 million for an individual $4 million per a couple jo they estimate those that would receive relief under the levels in the senate comprimise, 6600 families. you need to look at what the consequences are of dealing with the foinl is state ta