ms. stevens. >> yes. i think one of the biggest problems that we see is that the current structure really a sense that the states are not capable of ministering this entire process of certification an entire process overview. who would like to see that changed. that is one of the reasons you make the suggestion that a good look betaken, the way that our whole entire system set up. >> thank you. two questions that are just a yes or no answer. the first one is, and we will start with you and go the other way. is the appraisal subcommittee affected? >> in my opinion, no. >> i believe it is. >> yes. >> needs improvement. >> another question, yes and no. should congress consider a complete overhaul and approve it for consumers and businesses alike? >> at think their is a serious need to look at -- >> s are now? >> yes no, their is a need to look at it. >> mr. but mitt. >> no. >> gregory. [inaudible] >> kelly. >> i wish retirees elected. >> improve the existing system. >> thank you. my time has expired. mr. she

ms. stevens. robert bakewell. anita bowman. jeane mckenny. felicia ziser. >> any miss sally stevens and today i am speaking on behalf of the sentences go forest alliance. i want to thank supervisor wiener for his ability to find this committee. at the last week's meeting, recreation and parks said the trial restoration money, that there was priorities determined in the 2008 bond for which trails would get money from the trail restoration projects, and that they would use the same priorities this time with the 2012 bond as they did in 2008. of course the 2008 bond was only four trails and natural areas, so that was a bit of a red flag for those of us that are concerned about the with the natural areas program has been using trial restoration money for things other than making them safer. i am very much happy to see this line which has been added. without this, we would have had the same language in 2008, and that would of been a concern to a lot of people. with the new language added, mclaren clearly needs work, in golden gate also. those are

ms. stevens? >> yes. my time is expired. mr. sherman from california is recognized for five minutes. >> thank you, matt interpreted mr. gregoire, the gics have created this new uniform appraisal database. which is used on all gs appraisals. how's that working out? >> fortunately, because of the work that i do, i have not had to complete one of those reports, however, i have heard from dozens if not hundreds of appraisers. >> could you be a little closer to the microphone? >> i have heard from dozens of appraisers about their experience come also from consumers. the uav method of reporting was not implemented to enhance the quality or the credibility of an appraisal report. what it does enhance his data gathering. it does not improve in appraiser's performance or ability to accurately or credibly estimate and opinion of value. it actually makes the report less useful to the consumer. granted the consumer is not an intended user of an appraisal that is completed for mortage finance transaction. .. for the convenience of the gac. a

ms. stevens' status as a part of matter in terms of any american businesses, very few of such drilling willds of millions of dollars, if not more, without some legal basis, some assurance, some treaty. as a matter of fact, protection was right. we can talk about all those resources being out there. but the facts are that there is very little drilling for them without people seem very precarious about it in american business among them are saying if we're serious about energy resources, energy independence, are a security, then we need this framework. it is a legitimate argument as to whether anybody owns any thing. all i'm saying is the treaty provides a practical means by which we might proceed in this world and particularly in this country given the resources and investment we have. i come back to visit questions with those of you who have been testifying about this is a central issue in mass. i see secretary rumsfeld, you are evenhanded in discussing philosophically the question, but how do you come down on the question of mr. stephen's letter? that is, why would lockheed martin receives

ms. sarah stevens, the president appraisal institute. thank you all. we will begin with the testimony and without objection you're written statements will be made a part of the record. you will be recognized for a five minute summary of your testimony and with that we will start with you. you're recognized for five minute. >> other distinguished members of the committee my name is david and i am the chief program officer for the national committee reinvestment coalition. on behalf of our coalition, i am honored to testify before you today for both the consumer protection and the safety and soundness perspective in order to discuss options for improving the regulatory oversight of the stakeholders and the home valuation and housing finance industry. ncrc

ms. king. a little history lesson. i did not know that. in 1940. very impressive. >> thank you for reminding us about senator ted stevens. he played an important role. our experience has always been that senator stevens was a great champion for women. he -- that is not a notch as a chad. >> thank you for-. -- reminding us. >> thank you, mr. chairman. thank you, chairman harkin and ranking member lindsey -- distinguished senators. title ix expresses the nation's commented -- collected at aspiration of relief that girls and boys deserve equal educational experiences and opportunities. today's world is almost unrecognizable from the 1972 lands, except for perhaps trump razors -- trailblazers like billie jean king. i speak as a direct beneficiary of title ix, also as a professor of law and the senior director of advocacy for the women's sports foundation. also is apparent, of both a son and twin daughters. -- as a parent of a son and twin daughters. i'm so proud of being able to represent my country in the 1984 olympics. i'm so proud of earning a full scholarship. make no mistake, i earned it. getting up before clarke 40 5:0

ms. king. a little world history lesson. 1940. very impressive. and thank you for reminding us about senator ted stevens, an important note, because senator stevens was a great champion for women. it is often not as acknowledged as it should be. thank you. sumac thank you, chairman harkin. >> how is the back? >> okay. thank you, chairman harkin and ranking member lindsey and senator mikulski and distinguished senator, title ix the education amendments of 1972, expresses the nation's collective aspiration of the league. the girls and boys -- men and women, deserve equal educational experience and opportunities. today's world is almost unrecognizable through the 1972 lens. as a lawyer and professor of law and senior director of the women's sports foundation. to this day, i am so proud of being a to represent my country in the 1984 olympics. and i am also so proud of earning a full scholarship and ironed it, getting up at 445 in the morning, from some great until i graduated from high school. neither one of those things would've been possible without the statute. if you doubt for a second whether or not th