Brandon Aceto

There hasn't been a big situation where there's a high unemployment rate and people couldn't get jobs, right?

So I think that is a point.

I think culture is more important because if you guys are all pushing towards the same idea, the same, then eventually the money will come.

But it starts with culture.

Under FDR, the thing is created, and now they own 50% of the mortgages in the United States.

And since 2008, when they got bailed out, the Treasury owns 80% of the common stock of Freddie and Fannie.

So, yeah, I agree.

I definitely think it's a good thing to get that off the government's books on the private market.

But it reminds me of...

how the government started subsidizing student loans because they want everybody to have the ability to get a student loan.

So I am just getting into this whole thing now, but I'm wondering if this pushed up the entire housing market artificially because it's giving access to mortgages to people who wouldn't otherwise qualify if it was just standard banks giving these mortgages.

So I don't even know if these are good, necessary institutions because since it was created by FDR, everything that FDR created, I questioned.

So...