we also have robb adkins. i will give a more complete introduction of our witnesses before they testify. i see we have been joined by senator grassley of iowa. >> thank you, madam chairwoman. thank you for having this hearing. and demonstrating your leadership in the area of comeback thing financial -- of combating financial fraud and something that undermines the integrity and trust of the public in our financial system. these crimes are more than just superficial or passing in their impact. they are enduring because they go to the core of what people trust and need to have confidence in. i want to begin by saying i have reviewed the task force's first your report, which outlined increased prosecutions and convictions associated with mortgage fraud. those developments are positive. i want to commend your efforts in this area. twice as many defendants were charged in mortgage fraud and twice as many people were sentenced at every level. that is good news in sending a message, a deterrent message about the sinc