It looks as if any housing bill may take some time. I'm glad there isn't a consensus on what to do. Everyday I read another article with valid points, interesting solutions, or just insane proposals. Everyday that goes by, people are voicing opinion, and hopefully, someone is listening to them all. I came across this article on a website I don't normally visit. This author makes the case that Congress should set up an advisory committee to assist in making legislation. He suggests an industry veteran that watched it all happen. A person that understands what happened to the borrowers, and which ones were speculating, committing fraud, or just trying to have their families live in a more desirable neighborhood. I would want it to be someone that has been canned from his mortgage job, or that loss his company and has suffered great financial loss. Someone who has both felt the pain, and knows how the game was played. Someone that won't spend time pointing fingers, but instead, offering solutions.