You really need to read the United States Letter of Interest that was docketed two days ago in the Deloitte and PWC cases, pending. Read the part about the 10-Ks filed by the GSEs during the lead in period to Amendment 3. Especially enjoy the part where Fannie says the 10% divvy is unmeetable based on reported metrics in any year in its history. These documents were the handiwork of Ms. McFarland, I believe.