tinsel12, GOOD POST in reply to that other guy...
He has no data to back up his spamming.
Also, it brings back to us some of what FNMA's CEO stated previously this year.
I remember watching an interview where he basically says the same thing you posted, though I'm not sure exactly where you retrieved your data, I know it is fairly close to what he said if it is not an exact quote.
(I don't know if what you posted is from something he wrote or if it's something he 'said' in an interview. If you can post a reference I'd appreciate it!)
And for those who bash/pump without facts or quotes... Expect to be shown the error of your ways.
I for one, enjoy helping this community in any way I can, and vice versa.
-Z