We tend not to mandate things.

There's a consensus among regulators that we need to be working on this.

Borrowers are going for the ARMs because they can qualify for a slightly bigger mortgage. There are a lot of issues to be addressed there.

We have seen the mass marketing of these loans and the growth of these loans and determined it was appropriate for us to take a closer look.

We try to target our examinations to the specific activities of an institution and those that represent heightened risk for the institution.

I have always found women difficult. I don't really understand them. To begin with, few women tell the truth.