robin ayele? there we are. robin ayele? >> i am with baltimore neighborhoods. i want to know -- how will you ensure that borrowers will be able to get loans in the future? and low interest loans -- those that deserve them get low interest loans? >> does staff want to take that? >> underserved borrowers. >> today's rule should both increase confidence in the mortgage market, so that lenders feel more ability to lend, and consumers can feel more ability to look for loans and go to the closing table without being set up to fail. in both respects, having a stronger market with better consumer protections is good for lenders and for borrowers. it should be good for the market. in terms of how the market will evolve over time, we are just going to have to see. we do not control all of those details. we cannot mandate that a lender lend to any particular consumer. we can just set up the right framework, to root out the kind of reckless lending abuses that were in demint before the crisis. we believe that having done so, we will open up the responsible banks and commun

rabin -- robin ayele? there we are. robin ayele? >> i am with baltimore neighborhoods.i want to know -- how will you ensure that borrowers will not be -- will be able to get loans in the future? and low interest loans -- those that deserve them get low interest loans? >> dustoff want to take that? >> underserved borrowers. -- does staff want to take that? >> underserved borrowers. >> today's rule should both increase confidence in the mortgage market, so that lenders feel more ability to lend, and consumers can feel more ability to look for loans and go to the closing table without being set up to fail. in both respects, having a stronger market with better consumer protections is good for lenders and for borrowers. it should be good for the market. in terms of how the market will evolve over time, we are just going to have to see. we do not control all of those details. we cannot mandate that a lender lend to any particular consumer. we can just set up the right framework, to root out the kind of reckless lending abuses that were in demint before the crisis. we believe