We are surprised at the content of NAFCU’s letter; we thought that association had always opposed the House version of cram downs, as CUNA has. We are contacting the association’s leaders for further clarification. However, from the beginning of the discussions with the Senate, all opposed the House version of the bill, and CUNA engaged in good faith negotiations aimed at good public policy and addressing the concerns of our industry. That’s why CUNA has worked in on-going discussions with Sen. Durbin and his staff to refine the legislation so that it does not punish credit unions, which did not contribute to the housing crisis. In fact, because we stayed at the table, we believe we are very close to acceptable resolutions on the two issues mentioned by NAFCU in its letter to Sen. Durbin. NAFCU would know that if they had not left the talks. The fact is, however, no deal has been made. CUNA will continue to work with Sen. Durbin and Senate leaders to develop a legislative approach that limits negative impact on credit unions. This is not the time to merely walk away; there is too much at stake for credit unions.