/Users/andrea/_magisterarbeit/korpus/clean/trainkorpus/19/file_196e.html NN ----------------------------------------- : Nation's NP Building NP News NP Online JJ . SENT February NP 9 CD , , 2004 CD Print NP All DT Articles NNS Text NN Version NP Sponsored VVN by IN Countrywide NP Home NP Loans NNS National NP Builder NN Division NN and CC 2 CD 10 CD Home NP Buyers NNS Warranty NN An DT Interview NN With IN Assistant NP Treasury NP Secretary NP Wayne NP Abernathy NP Recent JJ interviews NNS with IN Assistant NP Treasury NP Secretary NP Wayne NP Abernathy NP and CC NAHB NP Executive NP Vice NP President NP Jerry NP Howard NP on IN regulation NN of IN the DT housing NN GSEs NNS find VVP some DT common JJ ground NN . SENT both DT agree VVP that DT privatization NN of IN Fannie NP Mae NP and CC Freddie NP Mac NP is VBZ a DT bad JJ idea NN . SENT Secretary NP Abernathy NP says VVZ . SENT We're NP not RB supporting VVG any DT proposals NNS for IN privatization NN . SENT CEO NP Howard NP adds VVZ . SENT Efforts NNS to TO privatize VV . SENT . SENT . SENT should MD be VB opposed VVN . SENT But CC on IN other JJ aspects NNS of IN the DT debate NN issues NNS that WDT will MD likely RB decide VV the DT future NN of IN America's NP housing NN finance NN system NN there RB are VBP some DT sharp JJ differences NNS of IN opinion NN . SENT The DT following VVG interview NN of IN Assistant NP Treasury NP Secretary NP Abernathy NP was VBD conducted VVN by IN NAHB NP Senior NP Vice NP Presidents NPS Robert NP Pflieger NP and CC David NP Crowe NP on IN December NP 10 CD . SENT To TO read VV an DT accompanying JJ interview NN with IN NAHB NP Executive NP Vice NP President NP Jerry NP Howard NP , , click NN here RB . SENT ROBERT NP PFLIEGER NP . SENT Mr NP . SENT Secretary NP , , what WP do VVP you PP believe VVP is VBZ the DT mission NN of IN Fannie NP Mae NP , , Freddie NP Mac NP and CC the DT Federal NP Home NP Loan NP Banks NPS . SENT And CC do VVP you PP believe VVP there EX should MD be VB changes NNS in IN those DT charters NNS . SENT WAYNE NP ABERNATHY NP . SENT Congress NP was VBD clear JJ when WRB they PP created VVD the DT housing NN GSEs NNS that IN generally RB their PP$ mission NN was VBD to TO harness VV this DT nation NN s PP unparalleled JJ financial JJ resources NNS to TO make VV the DT dream NN of IN homeownership NN a DT greater JJR reality NN , , particularly RB for IN those DT who WP have VHP been VBN traditionally RB underserved VVN , , like IN minorities NNS and CC low JJ income NN Americans NNS . SENT The DT purchase NN of IN a DT home NN is VBZ probably RB the DT largest JJS financial JJ allocation NN that WDT most JJS Americans NPS will MD make VV in IN their PP$ lifetime NN , , and CC GSEs NNS helped VVD make VV the DT 30 CD year NN , , fixed JJ rate NN mortgage NN the DT bread NN and CC butter NN of IN our PP$ housing NN finance NN system NN . SENT And CC today NN many JJ Americans NPS own VVP homes NNS who WP otherwise RB would MD not RB have VH had VHN that DT opportunity NN . SENT Expanding VVG homeownership NN is VBZ a DT top JJ priority NN of IN the DT Bush NP Administration NP . SENT President NP Bush NP has VHZ outlined VVN an DT aggressive JJ housing NN agenda NN that WDT includes VVZ the DT American JJ Dream NN Downpayment NN Fund NP , , the DT Single NP Family NP Affordable JJ Housing NP Tax NP Credit NP , , simplification NN of IN the DT home NN buying VVG process NN and CC increased JJ home NN buying NN education NN . SENT Congress NP has VHZ also RB recognized VVN that DT homeownership NN is VBZ a DT priority NN for IN this DT nation NN and CC has VHZ reinforced VVN that DT principle NN on IN numerous JJ occasions NNS . SENT The DT Administration NP has VHZ proposed VVN a DT strong JJ and CC effective JJ new JJ regulator NN for IN the DT housing NN GSEs NNS because IN expanding VVG homeownership NN is VBZ a DT top JJ priority NN , , and CC the DT GSEs NNS play VVP an DT important JJ role NN in IN doing VVG that IN . SENT Appropriate JJ oversight NN of IN them PP is VBZ necessary JJ to TO ensure VV that IN the DT housing NN GSEs NNS will MD be VB able JJ to TO continue VV to TO play VV this DT role NN now RB and CC into IN the DT future NN . SENT MR NP . SENT PFLIEGER NP . SENT It PP has VHZ been VBN widely RB acknowledged VVN that DT housing NN has VHZ played VVN an DT incredibly RB important JJ role NN over IN the DT last JJ couple NN of IN years NNS in IN keeping VVG the DT economy NN strong JJ . SENT What WP , , in IN your PP$ view NN , , is VBZ housing NN s PP overall JJ contribution NN to TO the DT growth NN of IN the DT economy NN , , recently RB and CC over IN the DT long JJ term NN . SENT And CC what WP role NN have VHP the DT housing NN GSEs NNS played VVN in IN that DT growth NN . SENT MR NP . SENT ABERNATHY NP . SENT There EX are VBP two CD parts NNS to TO that DT . SENT First RB of IN all DT , , let VV s PP talk VV about IN the DT importance NN of IN homeownership NN to TO the DT economy NN . SENT Treasury NP s PP Office NP of IN Economic NP Policy NP estimates VVZ that DT residential JJ investment NN accounts NNS for IN about RB 5 CD of IN Gross JJ Domestic JJ Product NN overall JJ , , and CC sometimes RB it PP accounts VVZ for IN a DT significant JJ portion NN of IN the DT growth NN of IN GDP NP over IN 1 CD in IN the DT third JJ quarter NN of IN FY NN 2003 CD . SENT The DT building NN , , furnishing VVG and CC maintaining VVG of IN homes NNS are VBP extremely RB important JJ as IN a DT share NN of IN our PP$ economy NN . SENT But CC I PP think VVP probably RB the DT most RBS significant JJ impact NN that IN homeownership NN has VHZ on IN the DT economy NN is VBZ what WP it PP does VVZ for IN communities NNS . SENT Go VV to TO a DT community NN where WRB most JJS of IN the DT people NNS rent VV their PP$ home NN . SENT Compare VV that IN with IN the DT community NN where WRB most JJS of IN the DT people NNS own VVP their PP$ home NN , , and CC it PP s VVZ a DT world NN of IN difference NN . SENT There EX s PP a DT world NN of IN difference NN in IN the DT way NN the DT people NNS take VVP care NN of IN their PP$ homes NNS , , the DT investments NNS they PP make VVP in IN their PP$ homes NNS , , the DT investments NNS they PP make VVP in IN their PP$ communities NNS , , the DT roots NNS that IN they PP put VVD into IN their PP$ communities NNS and CC how WRB they PP participate VVP in IN the DT life NN of IN the DT community NN . SENT Knowing VVG that IN you PP own VVP your PP$ home NN means VVZ not RB only RB that IN you PP take VVP better JJR care NN of IN your PP$ home NN , , but CC you PP tend VVP to TO take VV better JJR care NN of IN your PP$ community NN . SENT MR NP . SENT PFLIEGER NP . SENT You PP mean VVP housing NN s PP social JJ benefits NNS . SENT MR NP . SENT ABERNATHY NP . SENT You PP get VVP more RBR involved VVN in IN local JJ politics NNS because IN you PP figure VVP you PP re IN going VVG to TO be VB there RB a DT while NN , , and CC so IN you PP re IN much RB more RBR likely JJ to TO be VB a DT participant NN in IN the DT choice NN for IN the DT local JJ alderman NN than IN you PP would MD be VB if IN you PP were VBD renting VVG there RB and CC not RB planning VVG to TO be VB there RB very RB long JJ . SENT And CC there EX s PP a DT myriad JJ of IN other JJ kinds NNS of IN you PP re IN probably RB more RBR involved VVN in IN the DT schools NNS . SENT You PP re IN more RBR involved VVN in IN the DT churches NNS and CC other JJ good JJ things NNS that WDT take VVP place NN . SENT People NNS tend VVP to TO become VV more RBR involved VVN in IN the DT places NNS where WRB they PP own VVP their PP$ property NN and CC the DT home NN that IN s PP there RB . SENT That IN s PP what WP I PP think VVP is VBZ the DT most RBS significant JJ benefit NN of IN homeownership NN in IN this DT country NN . SENT GSEs NNS play VVP a DT role NN by IN helping VVG to TO make VV the DT 30 CD year NN , , fixed JJ rate NN mortgage NN into IN a DT very RB commonplace JJ , , liquid JJ investment NN that WDT allows VVZ a DT lot NN more RBR of IN our PP$ tremendous JJ financial JJ resources NNS to TO be VB devoted VVN toward IN helping VVG people NNS buy VV their PP$ first JJ homes NNS and CC their PP$ second JJ home NN , , or CC to TO expand VV and CC build VV upon RP their PP$ homes NNS . SENT Without IN that DT , , the DT 30 CD year NN , , fixed JJ rate NN mortgage NN might MD be VB seen VVN by IN lenders NNS as IN a DT riskier JJR investment NN . SENT DAVE NP CROWE NP . SENT Why WRB do VVP you PP describe VVP a DT mortgage NN as IN being VBG a DT potentially RB dangerous JJ investment NN . SENT MR NP . SENT ABERNATHY NP . SENT From IN the DT lender NN s PP point VVP of IN view NN , , long JJ term NN mortgages NNS are VBP subject JJ to TO a DT wide JJ variety NN of IN risks NNS , , particularly RB when WRB you PP re IN talking VVG about IN a DT fixed JJ rate NN loan NN . SENT When WRB you PP have VHP a DT fixed JJ rate NN loan NN , , you PP re IN tying VVG up RP money NN over IN a DT long JJ period NN of IN time NN , , and CC so RB you PP increase VV the DT amount NN of IN exposure NN that IN you PP have VHP to TO whether IN or CC not RB someone NN s PP going VVG to TO honor VV their PP$ payments NNS over IN that DT period NN of IN time NN . SENT You PP have VHP exposed VVN the DT person NN who WP provides VVZ that DT money NN to TO liquidity NN risks NNS , , and CC to TO the DT risks NNS that IN financial JJ institutions NNS may MD need VV that DT money NN for IN other JJ things NNS because IN they PP have VHP a DT lot NN of IN other JJ demands NNS . SENT That DT financial JJ institution NN is VBZ exposed VVN to TO interest NN rate NN risks NNS that WDT can MD occur VV over IN the DT life NN of IN that DT particular JJ loan NN as IN rates NNS rise VVP and CC fall VVP . SENT The DT secondary JJ markets NNS help VVP mitigate VV a DT large JJ portion NN of IN that DT risk NN by IN spreading VVG it PP among IN a DT greater JJR pool NN of IN investors NNS . SENT In IN a DT lot NN of IN other JJ countries NNS a DT 30 CD year NN , , fixed JJ rate NN mortgage NN is VBZ a DT very RB hard JJ thing NN to TO find VV . SENT In IN this DT country NN , , for IN a DT long JJ period NN of IN time NN , , the DT 30 CD year NN fixed JJ rate NN mortgage NN was VBD something NN that WDT was VBD hard JJ to TO find VV . SENT We PP needed VVD to TO find VV mechanisms NNS by IN which WDT financial JJ institutions NNS would MD be VB willing JJ to TO commit VV large JJ sums NNS of IN money NN for IN long JJ periods NNS of IN time NN , , and CC the DT housing NN GSEs NNS have VHP played VVN a DT major JJ role NN in IN creating VVG those DT instruments NNS and CC providing VVG liquidity NN that WDT allows VVZ financial JJ institutions NNS to TO make VV those DT kinds NNS of IN investments NNS an DT everyday JJ occurrence NN . SENT MR NP . SENT PFLIEGER NP . SENT And CC continue VVP to TO play VV . SENT MR NP . SENT ABERNATHY NP . SENT And CC they PP continue VVP to TO play VV that DT role NN , , they PP certainly RB do VVP in IN a DT variety NN of IN ways NNS . SENT And CC I PP think VVP it PP s PP interesting JJ the DT way NN the DT different JJ pieces NNS work VVP together RB . SENT You PP have VHP , , by IN and CC large JJ , , Fannie NP and CC Freddie NP that WDT are VBP focusing VVG on IN what WP you PP might MD call VV standardized JJ , , cookie NN cutter NN types NNS of IN loans NNS , , which WDT is VBZ what WP you PP need VVP to TO do VV in IN order NN to TO securitize VV them PP . SENT The DT Federal NP Home NP Loan NP Banks NNS play VVP a DT very RB important JJ role NN in IN providing VVG liquidity NN for IN conforming VVG as RB well RB as IN non JJ conforming VVG loans NNS . SENT A DT member NN of IN a DT Federal NP Home NP Loan NP Bank NP can MD use VV these DT assets NNS as IN collateral NN to TO get VV funds NNS from IN a DT Federal NP Home NP Loan NP Bank NP to TO take VV care NN of IN any DT liquidity NN needs VVZ that DT institution NN may MD have VH , , and CC thereby RB make VV that DT bank NN or CC thrift NN or CC credit NN union NN more RBR likely JJ to TO engage VV in IN that DT kind NN of IN investment NN . SENT MR NP . SENT PFLIEGER NP . SENT What WP is VBZ Treasury NN s PP view VVP of IN the DT wide JJ range NN of IN federal JJ policies NNS that WDT support VVP a DT strong JJ housing NN delivery NN system NN everything NN from IN the DT mortgage NN interest NN deduction NN , , to TO the DT low JJ income NN housing NN tax NN credit NN , , to TO housing NN s PP share NN of IN the DT federal JJ budget NN , , to TO the DT government NN s PP support VVP of IN the DT housing NN GSEs NNS . SENT MR NP . SENT ABERNATHY NP . SENT As IN I PP mentioned VVD before RB , , the DT Bush NP Administration NP has VHZ made VVN increased JJ homeownership NN a DT top JJ priority NN , , and CC has VHZ proposed VVN numerous JJ ways NNS to TO make VV this DT dream NN a DT reality NN for IN more JJR American JJ families NNS . SENT Secretary NP Snow NP shares VVZ the DT President NP s PP strong JJ commitment NN to TO housing NN and CC believes VVZ that IN the DT housing NN sector NN is VBZ a DT crucial JJ component NN of IN our PP$ economy NN . SENT Housing NP is VBZ making VVG a DT tremendous JJ contribution NN to TO the DT current JJ economic JJ recovery NN . SENT It PP certainly RB is VBZ no RB secret JJ that IN this DT Administration NP is VBZ a DT strong JJ supporter NN of IN the DT mortgage NN interest NN rate NN deduction NN . SENT That DT has VHZ been VBN a DT key JJ element NN , , a DT key JJ piece NN of IN our PP$ tax NN code NN for IN a DT long JJ period NN of IN time NN and CC a DT lot NN of IN people NNS rely VVP upon IN it PP . SENT It PP allows VVZ a DT lot NN of IN people NNS to TO get VV into IN homes NNS earlier RBR than IN they PP otherwise RB might MD , , and CC to TO able JJ to TO free VV up RP the DT funds NNS they PP need VVP in IN order NN to TO make VV their PP$ monthly JJ payments NNS . SENT With IN regard NN to TO a DT number NN of IN the DT other JJ pieces NNS that WDT are VBP designed VVN to TO help VV increase NN homeownership NN , , President NP Bush NP proposed VVD the DT American JJ Dream NN Downpayment NN Fund NP in IN 2002 CD , , and CC Congress NP enacted VVD it PP a DT few JJ days NNS ago RB . SENT This DT program NN will MD help VV low JJ income NN Americans NNS overcome VVP what WP is VBZ sometimes RB the DT number NN one CD obstacle NN to TO buying VVG a DT new JJ home NN amassing VVG the DT money NN for IN the DT downpayment NN . SENT A DT lot NN of IN people NNS are VBP making VVG rent NN payments NNS that WDT are VBP the DT same JJ or CC more JJR than IN what WP a DT mortgage NN payment NN would MD be VB and CC they PP would MD love VV to TO own VV their PP$ own JJ home NN , , but CC they PP can MD t NN put VVD together RB the DT downpayment NN . SENT They PP re IN paying VVG all PDT their PP$ money NN in IN rent NN . SENT They PP can MD t NN put VVD aside RB enough JJ money NN in IN savings NNS for IN a DT downpayment NN , , but CC they PP have VHP demonstrated VVN the DT ability NN to TO make VV a DT regular JJ monthly JJ payment NN , , they PP just RB do VVP it PP in IN rent NN . SENT If IN they PP can MD find VV help VV to TO get VV that DT downpayment NN in IN place NN , , they PP could MD turn VV that DT rent NN into IN equity NN and CC homeownership NN . SENT The DT Administration NP estimates VVZ that IN this DT new JJ program NN will MD help VV approximately RB 40 CD , , 000 CD families NNS a DT year NN with IN their PP$ downpayment NN and CC closing NN costs NNS . SENT MR NP . SENT CROWE NP . SENT Can MD you PP elaborate VV on IN the DT Administration NP s PP homeownership NN goals NNS . SENT MR NP . SENT ABERNATHY NP . SENT President NP Bush NP has VHZ set VVN very RB aggressive JJ housing NN goals NNS . SENT In IN June NP 2002 CD , , he PP announced VVD that IN he PP was VBD setting VVG a DT new JJ minority NN homeownership NN goal NN of IN at IN least JJS 5 CD . SENT 5 CD million CD new JJ minority NN home NN owners NNS by IN the DT end NN of IN the DT decade NN . SENT But CC even RB though IN homeownership NN levels NNS are VBP higher JJR than IN they PP have VHP ever RB been VBN before RB , , the DT President NP is VBZ still RB not RB satisfied VVN . SENT He PP has VHZ recognized VVN that IN there EX are VBP still RB segments NNS of IN the DT population NN that WDT are VBP below IN the DT overall JJ national JJ level NN of IN homeownership NN that IN we PP can MD reach VV with IN various JJ types NNS of IN assistance NN . SENT That WDT s PP why WRB this DT Administration NP has VHZ put VVN forth RB numerous JJ programs NNS to TO help VV serve VV minority NN populations NNS in IN particular JJ . SENT Sometimes RB it PP s VVZ just RB outreach VV . SENT You PP get VVP folks NNS and CC help VV them PP understand VV that DT homeownership NN is VBZ within IN their PP$ reach NN , , but CC they PP just RB don VV t NN have VHP the DT knowledge NN or CC the DT understanding NN to TO put VV together RB all PDT the DT different JJ pieces NNS . SENT So RB there EX s PP a DT lot NN of IN outreach NN being VBG done VVN to TO show VV them PP just RB what WP the DT steps NNS are VBP . SENT I PP think VVP that IN the DT proposal NN that IN the DT Department NP of IN Housing NP and CC Urban NP Development NP is VBZ looking VVG at IN to TO try VV to TO simplify VV RESPA NP and CC all DT of IN the DT processes NNS involved VVN with IN settlement NN are VBP excellent JJ ideas NNS to TO try VV to TO make VV that DT whole JJ process NN which WDT can MD be VB very RB bewildering VVG to TO people NNS a DT lot NN simpler JJR and CC more RBR understandable JJ . SENT People NNS hear VVP these DT horror NN stories NNS about IN home NN buyers NNS going VVG into IN settlement NN and CC having VHG surprises NNS , , and CC they PP are VBP never RB pleasant JJ surprises NNS . SENT they PP re IN always RB unpleasant JJ . SENT If IN people NNS knew VVD before IN they PP walked VVD into IN that DT settlement NN room NN what WP their PP$ expenses NNS were VBD going VVG to TO be VB , , you PP would MD be VB taking VVG away RB one CD of IN the DT additional JJ obstacles NNS to TO homeownership NN today NN . SENT MR NP . SENT CROWE NP . SENT Looking VVG at IN the DT Administration NP s PP goal NN to TO increase VV homeownership NN rates NNS among IN minorities NNS , , would MD Treasury NP be VB willing JJ to TO support VV federal JJ initiatives NNS designed VVN to TO address VV the DT problems NNS you PP just RB mentioned VVD and CC expand VV homeownership NN opportunities NNS . SENT MR NP . SENT ABERNATHY NP . SENT President NP Bush NP and CC this DT Administration NP are VBP committed VVN to TO helping VVG more JJR Americans NNS , , especially RB communities NNS that WDT have VHP been VBN traditionally RB underserved VVN , , such JJ as IN minority NN Americans NNS , , own VVP their PP$ own JJ homes NNS . SENT In IN addition NN to TO the DT housing NN programs NNS which WDT the DT President NP has VHZ put VVN forth RB that IN I PP have VHP already RB mentioned VVN , , part NN of IN the DT package NN that IN Secretaries NNS Snow NP and CC Martinez NP have VHP proposed VVN to TO Congress NP would MD give VV HUD NP additional JJ resources NNS to TO enforce VV the DT various JJ housing NN goals NNS , , and CC part NN of IN that WDT is VBZ to TO break VV the DT housing NN goals NNS into IN some DT segments NNS . SENT This DT would MD help VV us PP achieve VV not RB just RB the DT overall JJ goal NN of IN increasing VVG homeownership NN among IN all DT Americans NPS , , but CC also RB concentrate VV on IN the DT sub NN goals NNS that WDT focus VVP on IN increasing VVG levels NNS of IN homeownership NN among IN various JJ minorities NNS . SENT With IN regard NN to TO innovation NN that WDT helps VVZ us PP reach VV those DT goals NNS , , one CD of IN our PP$ concerns NNS is VBZ that IN the DT GSEs NNS , , as IN they PP grow VVP , , continue VVP to TO stay VV focused VVN on IN their PP$ mission NN , , which WDT is VBZ to TO expand VV the DT envelope NN of IN people NNS who WP can MD get VV their PP$ homes NNS , , who WP can MD buy VV homes NNS , , who WP can MD purchase VV homes NNS and CC not RB that IN the DT GSEs NNS go VVP experimenting VVG in IN other JJ things NNS that WDT may MD have VH only RB a DT tangential JJ connection NN to TO homeownership NN . SENT MR NP . SENT PFLIEGER NP . SENT Do VV you PP believe VVP that IN the DT GSEs NNS have VHP gone VVN beyond IN their PP$ mission NN . SENT MR NP . SENT ABERNATHY NP . SENT I PP don VV t NN know VVP if IN they PP have VHP or CC not RB . SENT That IN s PP something NN that IN the DT supervisor NN would MD need VV to TO be VB able JJ to TO look VV at IN . SENT We PP want VVP to TO make VV sure RB the DT supervisor NN has VHZ full JJ authority NN to TO be VB able JJ to TO look VV at IN that DT , , so RB if IN they PP see VVP a DT proposal NN that IN somebody NN wants VVZ to TO put VV forth RB , , the DT supervisor NN needs VVZ to TO be VB able JJ to TO say VV , , Well UH , , that WDT might MD be VB a DT very RB interesting JJ proposal NN and CC it PP might MD increase VV the DT financial JJ resources NNS of IN the DT entity NN , , but CC it PP doesn NN t NN have VHP a DT whole JJ lot NN to TO do VV with IN housing NN . SENT We PP would MD prefer VV that IN you PP did VVD your PP$ innovating VVG on IN how WRB you PP can MD find VV new JJ ways NNS to TO put VV people NNS into IN homes NNS as IN opposed VVN to TO new JJ ways NNS to TO increase VV your PP$ bottom JJ line NN , , which WDT may MD or CC may MD not RB have VH a DT direct JJ bearing NN upon IN housing NN . SENT MR NP . SENT CROWE NP . SENT It PP could MD be VB argued VVN , , however RB , , that IN a DT profitable JJ balance NN sheet NN also RB puts VVZ the DT GSEs NNS in IN a DT position NN to TO expand VV their PP$ support NN for IN the DT housing NN market NN . SENT MR NP . SENT ABERNATHY NP . SENT We PP are VBP all RB in IN favor NN of IN innovation NN . SENT Increasing VVG profits NNS isn NN t NN the DT sole JJ or CC the DT primary JJ responsibility NN of IN the DT GSEs NNS , , however RB . SENT In IN fact NN , , there EX may MD be VB situations NNS where WRB the DT GSEs NNS should MD be VB obtaining VVG a DT below IN market NN return NN to TO provide VV additional JJ funding NN to TO housing NN markets NNS . SENT That DT might MD not RB bring VV the DT full JJ 15 CD return NN that IN they PP might MD be VB accustomed VVN to TO . SENT It PP might MD bring VV them PP only RB a DT 5 CD or CC a DT 10 CD return NN , , but CC it PP s VVZ still RB a DT positive JJ return NN , , and CC that IN s PP the DT kind NN of IN market NN that IN Congress NP said VVD they PP ought MD to TO be VB involved VVN in IN . SENT MR NP . SENT PFLIEGER NP . SENT You PP have VHP been VBN quoted VVN in IN the DT media NNS recently RB questioning VVG the DT financial JJ condition NN of IN Fannie NP Mae NP and CC Freddie NP Mac NP , , and CC , , let VVP me PP quote VVP you PP directly RB , , we PP really RB don VV t NN know VV what WP s PP going VVG on RP . SENT Do VV you PP believe VV that WDT taxpayers NNS face VVP an DT imminent JJ threat NN . SENT MR NP . SENT ABERNATHY NP . SENT No RB , , I PP don VV t NN think VVP they PP pose VV an DT imminent JJ threat NN . SENT I PP think VVP if IN there EX were VBD an DT imminent JJ threat NN , , there EX would MD be VB certain JJ signs NNS that IN we PP would MD see VV . SENT But CC the DT real JJ issue NN is VBZ that IN we PP need VVP a DT strong JJ , , credible JJ regulator NN that WDT will MD be VB able JJ to TO detect VV developing VVG problems NNS before IN they PP become VVP major JJ problems NNS , , and CC currently RB we PP don VV t NN have VHP the DT kind NN of IN regulator NN or CC the DT kind NN of IN disclosure NN from IN the DT GSEs NNS that WDT would MD allows VVZ us PP to TO do VV that IN . SENT For IN example NN , , Freddie NP has VHZ yet RB to TO live VV up RP to TO its PP$ commitment NN to TO register VV under IN the DT 1934 CD Securities NPS Exchange NP Act NP , , and CC they PP said VVD that IN they PP most RBS likely RB will MD not RB do VV so RB until IN 2005 CD . SENT They PP have VHP finally RB put VVN forward RB their PP$ annual JJ report NN , , but CC they PP said VVD they PP aren NP t NN going VVG to TO give VV any DT quarterly JJ data NNS for IN 2003 CD until IN at IN the DT earliest JJS June NP of IN 2004 CD . SENT I PP can MD t NN imagine VV that DT investors NNS are VBP well RB served VVN by IN a DT major JJ corporation NN like IN Freddie NP Mac NP conducting VVG business NN that IN way NN . SENT While IN Fannie NP Mae NP was VBD able JJ to TO register VV under IN the DT 1934 CD act NN almost RB a DT year NN ago RB , , Freddie NP has VHZ not RB , , and CC until IN Freddie NP does VVZ that IN , , there EX are VBP important JJ elements NNS of IN disclosure NN that WDT are VBP not RB available JJ , , and CC so RB our PP$ ability NN to TO catch VV problems NNS early JJ on IN is VBZ compromised VVN . SENT MR NP . SENT CROWE NP . SENT Would MD you PP say VVP that IN s PP a DT major JJ concern NN . SENT MR NP . SENT ABERNATHY NP . SENT I PP am VBP concerned VVN that IN there EX could MD be VB significant JJ problems NNS developing VVG , , and CC the DT current JJ level NN of IN disclosure NN does VVZ not RB allow VV regulators NNS to TO catch VV those DT problems NNS before IN they PP become VVP disruptive JJ to TO the DT role NN the DT GSEs NNS play VVP in IN the DT housing NN markets NNS and CC the DT financial JJ system NN . SENT This DT is VBZ a DT further JJR reason NN that IN we PP need VVP a DT new JJ , , strong JJ and CC credible JJ regulator NN . SENT MR NP . SENT PFLIEGER NP . SENT Isn NP t NN that IN OFHEO NP s PP job NN right RB now RB . SENT MR NP . SENT ABERNATHY NP . SENT I PP think VVP it PP is VBZ , , but CC OFHEO NP , , doing VVG the DT best JJS they PP can MD with IN what WP they PP have VHP , , were VBD still RB caught VVN by IN surprise NN when WRB Freddie NP had VHD its PP$ accounting NN problems NNS . SENT I PP think VVP that DT suggests VVZ that IN over IN time NN , , in IN spite NN of IN the DT people NNS at IN OFEHO NP doing VVG the DT best JJS they PP can MD , , they PP just RB do VVP not RB have VH the DT resources NNS , , focus NN , , stature NN and CC authority NN to TO do VV the DT job NN that WDT needs VVZ to TO be VB done VVN . SENT MR NP . SENT CROWE NP . SENT Do VV the DT GSEs NNS pose VVP an DT imminent JJ threat NN . SENT MR NP . SENT ABERNATHY NP . SENT No RB , , I PP have VHP no DT reason NN to TO believe VV that DT is VBZ the DT case NN , , but CC that IN being VBG said VVN , , we PP don VV t NN have VHP the DT same JJ disclosure NN for IN those DT corporations NNS as IN we PP do VVP for IN other JJ corporations NNS in IN America NP , , and CC certainly RB not RB the DT world NN class NN disclosure NN rules NNS required VVN for IN financial JJ institutions NNS . SENT In IN fact NN , , if IN you PP look VVP at IN corporations NNS in IN America NP , , the DT level NN of IN disclosure NN we PP have VHP for IN financial JJ corporations NNS is VBZ even RB greater JJR than IN what WP we PP have VHP for IN corporations NNS in IN general NN . SENT The DT reason NN why WRB you PP need VVP that WDT is VBZ because IN , , as IN we PP saw VVD as IN we PP have VHP seen VVN in IN many JJ financial JJ institutions NNS that WDT have VHP melted VVN down RP in IN the DT last JJ 20 CD years NNS or CC so RB when WRB they PP go VVP bad JJ , , they PP can MD go VV bad JJ very RB quickly RB just RB because IN of IN the DT nature NN of IN financial JJ institutions NNS . SENT Money NN is VBZ so RB fungible JJ and CC it PP moves VVZ so RB quickly RB , , and CC because IN confidence NN is VBZ such PDT an DT important JJ part NN of IN the DT health NN of IN any DT financial JJ institution NN , , that WDT s PP why WRB , , perhaps RB more JJR than IN a DT corporation NN that IN s PP in IN the DT manufacturing NN business NN , , we PP need VVP to TO be VB able JJ to TO have VH the DT confidence NN that IN they PP re IN operating VVG in IN a DT safe JJ and CC sound JJ manner NN early RB on IN . SENT MR NP . SENT PFLIEGER NP . SENT That DT leads VVZ me PP to TO another DT question NN . SENT Wall NP Street NP doesn NN t NN seem VVP to TO have VH expressed VVN any DT lack NN of IN confidence NN in IN the DT GSEs NNS . SENT It PP seems VVZ , , though RB , , that IN you PP have VHP lost VVN confidence NN in IN them PP . SENT MR NP . SENT ABERNATHY NP . SENT I PP would MD say VV that IN we PP are VBP concerned VVN that IN the DT level NN of IN supervision NN and CC disclosure NN is VBZ not RB adequate JJ , , and CC we PP believe VVP that IN the DT housing NN finance NN markets NNS will MD be VB better RBR served VVN if IN there EX is VBZ a DT new JJ , , credible JJ regulator NN . SENT I PP believe VVP that IN the DT market NN has VHZ responded VVN to TO the DT problems NNS at IN Freddie NP differently RB and CC perhaps RB not RB as IN severely RB as RB if IN similar JJ problems NNS had VHD been VBN uncovered VVN at IN a DT non JJ GSE NP . SENT That DT may MD be VB due JJ to TO the DT fact NN that IN many JJ market NN participants NNS believe VVP that IN the DT federal JJ government NN would MD step VV in IN if IN one CD of IN the DT GSEs NNS were VBD to TO default VV , , even RB though IN the DT bonds NNS state NN on IN their PP$ face NN that IN they PP are VBP not RB guaranteed VVN by IN the DT federal JJ government NN . SENT MR NP . SENT CROWE NP . SENT Do VV you PP think VV that IN s PP what WP s PP supporting VVG the DT stock NN prices NNS of IN Fannie NP and CC Freddie NP . SENT MR NP . SENT ABERNATHY NP . SENT I PP don VV t NN know VVP if IN it PP affects VVZ their PP$ stock NN prices NNS as RB much RB as IN it PP affects VVZ their PP$ bond NN prices NNS . SENT Their PP$ cost NN of IN funds NNS certainly RB benefits VVZ from IN that DT assumption NN . SENT Their PP$ stock NN prices NNS , , I PP think VVP , , have VHP been VBN influenced VVN to TO some DT degree NN . SENT If IN you PP compare VVP Freddie NP s PP stock NN prices NNS with IN Fannie NP s PP , , there EX is VBZ a DT very RB significant JJ difference NN in IN terms NNS of IN the DT price NN to TO earnings NNS ratio NN . SENT I PP think VVP Freddie NP s PP is VBZ about RB half JJ of IN what WP Fannie NP s PP is VBZ in IN terms NNS of IN price NN to TO earnings NNS ratio NN , , reflecting VVG at IN least JJS some DT unease NN , , some DT disquiet NN , , about IN Freddie NP s PP condition NN . SENT MR NP . SENT PFLIEGER NP . SENT During IN a DT Senate NP Banking NP Committee NP hearing NN on IN Sept NP . SENT 23 CD , , Senator NP Sarbanes NP asked VVD all PDT the DT panelists NNS to TO express VV their PP$ views NNS on IN the DT idea NN of IN privatizing VVG the DT GSEs NNS . SENT Let VV me PP ask VV you PP the DT same JJ question NN . SENT Does VVZ the DT Treasury NP Department NP the DT Administration NP support NN privatizing VVG the DT GSEs NNS . SENT MR NP . SENT ABERNATHY NP . SENT We PP don VV t NN have VHP any DT plans NNS to TO promote VV privatization NN . SENT We PP re IN not RB supporting VVG any DT proposals NNS for IN privatization NN . SENT That DT has VHZ not RB been VBN on IN our PP$ agenda NN or CC even RB in IN any DT of IN our PP$ discussions NNS . SENT MR NP . SENT CROWE NP . SENT What WP about IN the DT line NN of IN credit NN extended VVN to TO Fannie NP and CC Freddie NP . SENT MR NP . SENT ABERNATHY NP . SENT The DT discussion NN that IN we PP have VHP been VBN engaged VVN in IN and CC our PP$ focus NN over IN the DT last JJ several JJ months NNS have VHP been VBN on IN establishing VVG the DT appropriate JJ supervision NN for IN Fannie NP and CC Freddie NP . SENT We PP ve RB been VBN focusing VVG on IN getting VVG the DT right JJ regulatory JJ structure NN . SENT But CC let VV me PP just RB point VVP out RP that IN , , with IN regard NN to TO a DT line NN of IN credit NN , , you PP have VHP to TO understand VV that IN it PP is VBZ not RB really RB a DT line NN of IN credit NN , , but CC rather RB the DT opportunity NN the DT authority NN that IN the DT Treasury NP has VHZ to TO purchase VV the DT securities NNS of IN Fannie NP and CC Freddie NP . SENT But CC we PP have VHP also RB said VVN on IN multiple JJ occasions NNS that IN if IN Congress NP wants VVZ to TO look VV at IN other JJ issues NNS and CC would MD like VV us PP to TO engage VV in IN discussion NN with IN them PP , , we PP will MD do VV that IN . SENT But CC the DT discussions NNS that IN we PP have VHP initiated VVN and CC our PP$ focus NN are VBP on IN getting VVG the DT regulatory JJ system NN right NN . SENT MR NP . SENT CROWE NP . SENT But CC opening VVG that DT door NN does VVZ suggest VVP you PP might MD be VB amenable JJ to TO it PP . SENT MR NP . SENT ABERNATHY NP . SENT It PP means VVZ if IN Congress NP wants VVZ to TO open VV the DT door NN we PP will MD have VH that DT conversation NN , , and CC then RB we PP will MD have VH to TO decide VV what WP kind NN of IN policy NN we PP have VHP on IN it PP . SENT We PP have VHP not RB taken VVN a DT policy NN position NN on IN it PP nor CC have VH we PP had VHD a DT policy NN discussion NN about RB whether IN that WDT is VBZ a DT good JJ idea NN or CC a DT bad JJ idea NN . SENT But CC if IN Congress NP thinks VVZ that IN there EX is VBZ merit NN to TO it PP and CC wants VVZ us PP to TO engage VV in IN that DT , , then RB we PP will MD engage VV in IN a DT policymaking VVG process NN and CC see VV if IN we PP have VHP a DT view NN on IN it PP . SENT MR NP . SENT PFLIEGER NP . SENT Have VHP you PP encouraged VVN Congress NP . SENT MR NP . SENT ABERNATHY NP . SENT In IN that DT regard NN , , no UH . SENT I PP think VVP if IN you PP look VVP carefully RB at IN what WP Secretary NP Snow NP said VVD when WRB he PP testified VVD before IN the DT House NP and CC I PP think VVP re NN echoed VVN when WRB he PP testified VVD before IN the DT Senate NP , , he PP emphasized VVD that IN the DT most RBS important JJ thing NN we PP need VVP to TO do VV is VBZ get VV the DT regulatory JJ system NN right NN , , and CC that IN s PP what WP our PP$ main JJ focus NN has VHZ been VBN . SENT But CC again RB , , if IN Congress NP wants VVZ to TO deal VV with IN this DT issue NN or CC others NNS , , we PP re IN certainly RB open JJ to TO engage VV in IN that DT conversation NN . SENT MR NP . SENT CROWE NP . SENT Let VV s PP shift VV to TO a DT discussion NN about IN who WP should MD regulate VV the DT GSEs NNS . SENT Recently RB , , there EX s PP been VBN speculation NN in IN the DT press NN and CC elsewhere RB about IN appointing VVG a DT totally RB independent JJ regulator NN . SENT And CC you PP have VHP stated VVN previously RB that IN Treasury NP s PP first JJ priority NN is VBZ setting VVG up RP a DT solid JJ , , world NN class NN regulator NN for IN the DT GSEs NNS . SENT What WP are VBP the DT characteristics NNS of IN a DT truly RB independent JJ regulator NN that IN you PP would MD feel VV comfortable JJ with IN . SENT Is VBZ this DT a DT point NN where WRB the DT housing NN community NN can MD find VV some DT common JJ ground NN and CC reach VV a DT compromise NN . SENT MR NP . SENT ABERNATHY NP . SENT What WP s PP most RBS important JJ is VBZ that IN we PP get VVP the DT details NNS of IN the DT regulator NN right NN . SENT The DT supervisor NN has VHZ to TO have VH all PDT the DT authorities NNS that WDT are VBP needed VVN to TO carry VV out RP its PP$ job NN . SENT That DT includes VVZ full JJ authority NN over IN both DT elements NNS of IN capital NN , , with IN minimum JJ capital NN and CC risk NN based VVN capital NN . SENT It PP includes VVZ authority NN over IN all DT of IN the DT elements NNS of IN prudential JJ supervision NN , , including VVG authority NN over IN new JJ activities NNS . SENT And CC it PP includes VVZ having VHG an DT independent JJ source NN of IN funding NN . SENT It PP includes VVZ being VBG able JJ to TO go VV to TO the DT courts NNS on IN its PP$ own JJ dime NN , , on IN its PP$ own JJ ticket NN , , without IN having VHG to TO solicit VV permission NN to TO do VV that IN from IN the DT Justice NP Department NP . SENT Then RB people NNS want VVP to TO get VV into IN the DT question NN of IN where WRB to TO put VV that DT entity NN . SENT We PP have VHP made VVN it PP clear JJ that IN if IN you PP want VVP to TO put VV it PP in IN Treasury NP , , there EX are VBP certain JJ requirements NNS that WDT need VVP to TO be VB met VVN , , but CC that IN s PP only RB if IN people NNS want VVP to TO place VV that DT entity NN into IN Treasury NP . SENT MR NP . SENT CROWE NP . SENT Those DT are VBP the DT only JJ conditions NNS for IN an DT independent JJ regulator NN . SENT MR NP . SENT ABERNATHY NP . SENT Well RB , , again RB , , the DT Administration NP has VHZ consistently RB said VVD that IN there EX are VBP certain JJ elements NNS that WDT are VBP essential JJ to TO an DT effective JJ , , prudential JJ regulator NN . SENT Secretary NP Snow NP outlined VVD those DT elements NNS in IN his PP$ testimony NN before IN the DT House NP of IN Representatives NPS Financial NP Services NPS Committee NP in IN September NP . SENT The DT Administration NP s PP requirements NNS for IN this DT new JJ regulator NN are VBP drawn VVN from IN the DT powers NNS and CC authorities NNS that IN other JJ world NN class NN regulators NNS have VHP in IN this DT country NN and CC elsewhere RB . SENT MR NP . SENT CROWE NP . SENT And CC you PP said VVD new JJ program NN activity NN . SENT MR NP . SENT ABERNATHY NP . SENT Yes UH , , we PP believe VVP the DT new JJ regulator NN must MD have VH authority NN over IN new JJ activities NNS . SENT MR NP . SENT PFLIEGER NP . SENT You PP ve VVZ reportedly RB taken VVN the DT position NN that IN new JJ program NN authority NN for IN the DT GSEs NNS should MD be VB placed VVN under IN the DT new JJ regulator NN , , that IN it PP cannot NN remain VVP at IN HUD NP and CC that IN that DT position NN is VBZ non JJ negotiable JJ . SENT Is VBZ that RB correct JJ . SENT MR NP . SENT ABERNATHY NP . SENT One CD of IN the DT essential JJ elements NNS of IN an DT effective JJ regulator NN is VBZ the DT ability NN to TO approve VV new JJ activities NNS , , not RB just RB new JJ programs NNS . SENT You PP cannot NN point NN to TO an DT effective JJ , , world NN class NN regulator NN of IN financial JJ services NNS that IN doesn NN t NN have VHP that DT authority NN . SENT MR NP . SENT CROWE NP . SENT The DT regulator NN s PP ability NN to TO essentially RB veto VV a DT program NN on IN financial JJ safety NN and CC soundness NN grounds NNS is VBZ not RB sufficient JJ . SENT MR NP . SENT ABERNATHY NP . SENT It PP s PP not RB just RB safety NN and CC soundness NN . SENT There EX are VBP other JJ elements NNS that IN tie NN into IN it PP . SENT There EX are VBP a DT whole JJ variety NN of IN risks NNS that IN financial JJ regulators NNS look VVP at IN when WRB they PP re IN looking VVG at IN the DT activities NNS of IN the DT institutions NNS they PP are VBP regulating VVG . SENT There EX are VBP certainly RB the DT safety NN and CC soundness NN issues NNS with IN regard NN to TO the DT financial JJ aspects NNS , , but CC there EX s PP also RB reputational JJ risk NN , , there EX are VBP legal JJ risks NNS that IN they PP look VVP at IN , , there EX are VBP management NN risks NNS . SENT Does VVZ this DT institution NN have VH the DT ability NN to TO manage VV these DT activities NNS and CC how WRB do VV these DT activities NNS interact VV with IN the DT other JJ activities NNS of IN the DT institution NN . SENT Do VV they PP have VHP appropriate JJ ability NN to TO understand VV all PDT the DT aspects NNS of IN the DT activity NN and CC where WRB it PP might MD lead VV . SENT All DT of IN those DT things NNS need VVP to TO be VB taken VVN into IN account NN and CC looked VVD at IN . SENT It PP s PP done VVN in IN a DT very RB effective JJ way NN with IN those DT agencies NNS that WDT have VHP that DT power NN , , and CC it PP s PP done VVN in IN a DT way NN that IN doesn NN t NN slow VV down RP the DT ability NN to TO bring VV to TO market VV new JJ products NNS . SENT If IN you PP look VVP at IN America NP s PP banks NNS today NN , , they PP are VBP the DT world NN innovators NNS . SENT When WRB it PP comes VVZ to TO financial JJ services NNS , , it PP s VVZ the DT United NP States NP that WDT develops VVZ the DT new JJ financial JJ services NNS , , and CC they PP do VVP it PP within IN a DT system NN where WRB the DT bank NN regulators NNS have VHP authority NN over IN those DT new JJ products NNS . SENT MR NP . SENT CROWE NP . SENT Could MD you PP see VV this DT independent JJ regulator NN independent JJ of IN Treasury NP operate VVP as IN a DT board NN , , with IN equal JJ standing NN between IN HUD NP and CC Treasury NP . SENT MR NP . SENT ABERNATHY NP . SENT As IN you PP know VVP , , the DT type NN of IN regulator NN , , whether IN it PP is VBZ within IN the DT Treasury NP Department NP or CC a DT separate JJ agency NN entirely RB , , is VBZ still RB an DT issue NN that IN Congress NP is VBZ examining VVG . SENT MR NP . SENT PFLIEGER NP . SENT As IN part NN of IN this DT discussion NN over IN how WRB the DT new JJ regulator NN is VBZ set VVN up RP , , is VBZ there RB an DT opportunity NN for IN industry NN to TO participate VV . SENT MR NP . SENT ABERNATHY NP . SENT There EX is VBZ , , particularly RB for IN those DT who WP are VBP the DT users NNS and CC beneficiaries NNS of IN Fannie NP s PP and CC Freddie NP s PP products NNS . SENT MR NP . SENT PFLIEGER NP . SENT Like IN the DT home NN builders NNS . SENT MR NP . SENT ABERNATHY NP . SENT Yes UH , , like IN the DT home NN builders NNS , , like IN home NN buyers NNS and CC people NNS who WP supply VVP other JJ aspects NNS of IN that DT , , the DT financial JJ institutions NNS that WDT originate VV the DT mortgages NNS . SENT all DT of IN those DT need NN to TO be VB looked VVN at IN . SENT I PP think VVP there RB need VV to TO be VB some DT conversations NNS with IN Fannie NP and CC Freddie NP , , but CC keep VV in IN mind NN that IN these DT institutions NNS were VBD created VVN by IN Congress NP to TO serve VV certain JJ purposes NNS of IN Congress NP . SENT Therefore RB , , Congress NP , , the DT government NN , , will MD play VV the DT major JJ role NN , , because IN these DT are VBP government NN sponsored VVN enterprises NNS , , and CC the DT government NN ought MD to TO have VH the DT significant JJ say VVP in IN how WRB they PP re IN going VVG to TO be VB supervised VVN . SENT And CC so RB , , while IN they PP ought MD to TO be VB consulted VVN with IN , , I PP don VV t NN think VVP their PP$ views NNS ought MD to TO determine VV what WP the DT final JJ product NN is VBZ . SENT MR NP . SENT PFLIEGER NP . SENT So RB you PP might MD see VV a DT role NN for IN the DT housing NN industry NN in IN that DT dialogue NN . SENT Again RB , , I PP don VV t NN want VVP to TO put VV words NNS in IN your PP$ mouth NN , , but CC in IN the DT event NN that IN there EX is VBZ a DT discussion NN about IN creating VVG an DT outside JJ agency NN board NN to TO regulate VV the DT GSEs NNS , , you PP see VVP a DT role NN for IN the DT housing NN industry NN to TO have VH a DT seat NN at IN the DT table NN for IN those DT discussions NNS . SENT MR NP . SENT ABERNATHY NP . SENT I PP think VVP whatever WDT we PP do VVP with IN regard NN to TO GSE NP supervision NN that IN that DT process NN ought MD to TO include VV a DT discussion NN with IN those DT who WP rely VVP upon IN the DT services NNS of IN the DT GSEs NNS to TO make VV sure JJ that IN what WP we PP re IN creating VVG is VBZ going VVG to TO be VB able JJ to TO meet VV their PP$ needs NNS . SENT And CC as IN I PP say VVP , , that WDT includes VVZ the DT people NNS who WP build VVP the DT homes NNS as RB well RB as IN the DT people NNS who WP sell VVP the DT homes NNS as RB well RB as IN the DT people NNS who WP buy VVP the DT homes NNS and CC the DT ones NNS who WP finance VV them PP and CC originate VV the DT mortgages NNS . SENT I PP think VVP all DT of IN those DT people NNS ought MD to TO be VB involved VVN in IN that DT process NN to TO make VV sure JJ that IN we PP re IN having VHG a DT system NN that WDT will MD be VB robust JJ enough RB to TO continue VV the DT great JJ benefits NNS we PP have VHP of IN this DT wonderful JJ financial JJ system NN for IN housing NN and CC finance NN . SENT MR NP . SENT CROWE NP . SENT Fannie NP and CC Freddie NP both CC supply NN capital NN to TO the DT multifamily JJ market NN as IN well RB as IN the DT single JJ family NN sector NN . SENT Do VV you PP envision VV a DT major JJ a DT role NN for IN Fannie NP Mae NP and CC Freddie NP Mac NP in IN facilitating VVG the DT flow NN of IN capital NN to TO the DT multifamily JJ market NN . SENT MR NP . SENT ABERNATHY NP . SENT I PP think VVP in IN our PP$ discussion NN we PP have VHP been VBN talking VVG about IN basically RB the DT context NN of IN single JJ homes NNS , , but CC the DT GSEs NNS do VVP play VV an DT important JJ role NN in IN the DT multifamily JJ market NN as IN well RB . SENT And CC frankly RB , , if IN you PP include VVP the DT Federal NP Home NP Loan NP Banks NPS , , a DT lot NN of IN that DT money NN also RB goes VVZ into IN providing VVG rental JJ homes NNS , , and CC that IN s PP important JJ as IN well RB . SENT There EX are VBP a DT number NN of IN people NNS for IN whom WP , , for IN whatever WDT reason NN , , their PP$ best JJS option NN is VBZ a DT rental JJ home NN , , and CC we PP don VV t NN want VVP that DT segment NN of IN the DT housing NN market NN to TO be VB neglected VVN either RB . SENT MR NP . SENT PFLIEGER NP . SENT You PP have VHP stated VVN a DT preference NN for IN regulating VVG the DT Federal NP Home NP Loan NP Banks NPS under IN the DT same JJ regulatory JJ umbrella NN being VBG proposed VVN for IN Fannie NP and CC Freddie NP . SENT Does VVZ this DT make VVP sense NN given VVN the DT significant JJ differences NNS in IN the DT structure NN and CC operation NN of IN Fannie NP Mae NP and CC Freddie NP Mac NP versus CC the DT Federal NP Home NP Loan NP Banks NPS . SENT MR NP . SENT ABERNATHY NP . SENT They PP are VBP different JJ . SENT They PP re IN similar JJ in IN the DT markets NNS that IN they PP serve VVP , , but CC I PP think VVP they PP re IN complementary JJ in IN many JJ ways NNS as IN well RB . SENT But CC I PP think VVP you PP can MD accommodate VV supervision NN of IN Fannie NP and CC Freddie NP and CC the DT Federal NP Home NP Loan NP Banks NPS in IN the DT same JJ agency NN , , provided VVD you PP have VHP two CD divisions NNS within IN that DT agency NN . SENT There EX is VBZ some DT area NN for IN overlap VV , , but CC there EX are VBP also RB separate JJ structures NNS . SENT You PP have VHP 12 CD institutions NNS that WDT are VBP cooperative JJ in IN nature NN . SENT They PP are VBP created VVN as IN mutuals NNS , , mutual JJ institutions NNS in IN essence NN , , in IN effect NN . SENT And CC then RB you PP have VH two CD that WDT are VBP for IN profit NN entities NNS , , and CC they PP have VHP different JJ structures NNS and CC different JJ market NN forces NNS that WDT affect VVP what WP they PP do VVP . SENT There EX s PP also RB a DT good JJ deal NN of IN overlap VV . SENT Certainly RB in IN the DT backroom NN operations NNS , , making VVG sure JJ you PP have VHP your PP$ legal JJ team NN , , your PP$ financial JJ analysts NNS , , your PP$ accounting NN staff NN and CC your PP$ examination NN staff NN . SENT You PP could MD have VH that DT same JJ set NN of IN staff NN to TO provide VV you PP the DT kind NN of IN resources NNS you PP need VVP , , whether IN you PP re IN looking VVG at IN the DT Federal NP Home NP Loan NP Banks NPS or CC Fannie NP or CC Freddie NP . SENT In IN fact NN , , one CD of IN the DT benefits NNS of IN putting VVG them PP together RB in IN one CD institution NN is VBZ you PP would MD address VV one CD of IN the DT problems NNS you PP have VHP with IN examination NN staff NN for IN Fannie NP and CC Freddie NP today NN . SENT If IN you PP re IN a DT career NN examiner NN at IN OFHEO NP , , your PP$ whole JJ career NN you PP re IN going VVG to TO look VV at IN either DT Fannie NP or CC Freddie NP , , and CC it PP s VVZ hard RB to TO discover VV what WP best JJS practices NNS might MD be VB . SENT The DT examination NN process NN is VBZ a DT give VV and CC take VV . SENT The DT examiners NNS are VBP on IN the DT one CD hand NN coming VVG in IN with IN a DT jaundiced VVN eye NN , , with IN a DT critical JJ eye NN to TO see VV what WP can MD be VB improved VVN , , but CC they PP re NN also RB learning VVG . SENT They PP re IN learning VVG about IN the DT good JJ practices NNS underway JJ in IN one CD place NN that IN they PP can MD then RB carry VV to TO the DT next JJ institution NN they PP look VVP at IN . SENT That DT happens VVZ in IN the DT banking NN world NN all PDT the DT time NN . SENT When WRB you PP re IN dealing VVG with IN Fannie NP and CC Freddie NP , , they PP are VBP so RB much RB alike RB it PP s VVZ hard RB to TO bring VV anything NN new JJ to TO one CD or CC the DT other JJ . SENT But CC if IN your PP$ examiners NNS are VBP examining VVG Fannie NP Mae NP this DT year NN , , and CC next JJ year NN they PP re IN looking VVG at IN the DT Federal NP Home NP Loan NP Bank NP of IN San NP Francisco NP , , there EX may MD be VB some DT good JJ lessons NNS that IN they PP can MD learn VV from IN those DT different JJ reviews NNS that IN they PP can MD benefit VV each DT of IN them PP . SENT MR NP . SENT PFLIEGER NP . SENT One CD reason NN you PP have VHP given VVN for IN having VHG new JJ GSE NP programs NNS approved VVD by IN the DT safety NN and CC soundness NN regulator NN is VBZ to TO eliminate VV the DT bifurcation NN of IN Fannie NP and CC Freddie NP s PP oversight NN by IN HUD NP and CC OFHEO NP . SENT But CC under IN your PP$ proposal NN , , HUD NP would MD still RB continue VV to TO establish VV and CC enforce VV Fannie NP and CC Freddie NP s PP affordable JJ housing NN rules NNS . SENT Doesn NP t NN this DT also RB represent VVP a DT bifurcation NN of IN mission NN oversight NN if IN new JJ program NN approval NN powers NNS are VBP moved VVN to TO a DT different JJ regulatory JJ entity NN . SENT Why WRB are VBP you PP concerned VVN about IN bifurcation NN in IN one CD case NN but CC not RB in IN the DT other JJ . SENT MR NP . SENT ABERNATHY NP . SENT The DT best JJS place NN for IN housing NN goals NNS to TO be VB set VVN and CC monitored VVN is VBZ with IN the DT experts NNS at IN HUD NP . SENT The DT goal NN setting NN is VBZ not RB part NN of IN the DT supervisory JJ process NN . SENT But CC , , while IN Fannie NP , , Freddie NP and CC the DT Federal NP Home NP Loan NP Banks NPS help VVP us PP meet VV those DT goals NNS , , they PP are VBP ultimately RB financial JJ institutions NNS . SENT The DT new JJ supervisor NN should MD have VH all PDT the DT powers NNS necessary JJ to TO be VB a DT world NN class NN financial JJ regulator NN , , including VVG new JJ activity NN approval NN . SENT The DT benefit NN in IN keeping VVG goal NN setting NN and CC new JJ activity NN approval NN somewhat RB separate JJ is VBZ that IN HUD NP can MD look VV at IN those DT goals NNS without IN being VBG subject JJ to TO the DT day NN to TO day NN supervisory JJ responsibilities NNS and CC concerns NNS and CC worries NNS . SENT HUD NP can MD focus VV on IN what WP the DT housing NN market NN needs VVZ , , and CC whether IN or CC not RB the DT GSEs NNS need VVP to TO stretch VV a DT little JJ bit NN to TO meet VV these DT goals NNS . SENT The DT supervisor NN will MD look VV and CC say VV , , Go VV ahead RB and CC stretch VV , , but CC as IN you PP re IN stretching VVG we PP re IN going VVG to TO make VV sure JJ you PP re IN not RB snapping VVG . SENT My PP$ job NN is VBZ to TO make VV sure RB you PP don VV t NN snap NN and CC that IN you PP stay VVP focused VVN . SENT HUD NP sets VVZ the DT target NN , , the DT supervisor NN looks VVZ at IN it PP to TO see VV whether IN or CC not RB the DT bow NN you PP were VBD using VVG is VBZ a DT good JJ bow NN , , whether IN your PP$ arrows NNS are VBP straight JJ . SENT But CC let VV HUD NP set VV the DT target NN . SENT MR NP . SENT PFLIEGER NP . SENT Let VV me PP conclude VV by IN thanking VVG you PP for IN participating VVG in IN this DT interview NN . SENT Before IN closing NN , , are VBP there RB any DT other JJ points NNS you PP would MD like VV to TO leave VV with IN NAHB NP s VVZ 215 CD , , 000 CD members NNS . SENT MR NP . SENT ABERNATHY NP . SENT Well RB , , perhaps RB and CC the DT only JJ thing NN I PP would MD add VV that IN we PP haven NN t NN covered VVN here RB yet RB is VBZ our PP$ view NN that IN the DT need NN for IN having VHG a DT good JJ , , effective JJ supervisor NN is VBZ not RB going VVG to TO go VV away RB . SENT The DT need NN is VBZ probably RB going VVG to TO increase VV , , the DT mission NN responsibility NN that IN they PP have VHP is VBZ so RB important JJ that IN we PP can MD t NN allow VV ourselves PP to TO get VV by IN much RB longer JJR with IN inadequate JJ supervision NN of IN these DT housing NN GSEs NNS . SENT We PP have VHP to TO make VV sure JJ that IN they PP re IN safe JJ today NN and CC that IN they PP will MD be VB safe JJ tomorrow NN to TO be VB able JJ to TO continue VV their PP$ mission NN . SENT To TO read VV an DT accompanying JJ interview NN with IN NAHB NP Executive NP Vice NP President NP Jerry NP Howard NP , , click NN here RB . SENT An DT Interview NN With IN NAHB NP Executive NP Vice NP President NP Jerry NP Howard NP Recent JJ interviews NNS with IN Assistant NP Treasury NP Secretary NP Wayne NP Abernathy NP and CC NAHB NP Executive NP Vice NP President NP Jerry NP Howard NP on IN regulation NN of IN the DT housing NN GSEs NNS find VVP some DT common JJ ground NN . SENT both DT agree VVP that DT privatization NN of IN Fannie NP Mae NP and CC Freddie NP Mac NP is VBZ a DT bad JJ idea NN . SENT Secretary NP Abernathy NP says VVZ . SENT We're NP not RB supporting VVG any DT proposals NNS for IN privatization NN . SENT CEO NP Howard NP adds VVZ . SENT Efforts NNS to TO privatize VV . SENT . SENT . SENT should MD be VB opposed VVN . SENT But CC on IN other JJ aspects NNS of IN the DT debate NN issues NNS that WDT will MD likely RB decide VV the DT future NN of IN America's NP housing NN finance NN system NN there RB are VBP some DT sharp JJ differences NNS of IN opinion NN . SENT The DT following VVG interview NN NAHB's NP Jerry NP Howard NP was VBD conducted VVN by IN NAHB NP Senior NP Vice NP President NP David NP Crowe NP in IN late JJ December NP . SENT To TO read VV an DT accompanying JJ article NN with IN Assistant NP Treasury NP Secretary NP Wayne NP Abernathy NP , , click NN here RB . SENT DAVID NP CROWE NP . SENT What WP does VVZ the DT housing NN industry NN believe VVP is VBZ the DT mission NN of IN Fannie NP Mae NP , , Freddie NP Mac NP and CC the DT Federal NP Home NP Loan NP Banks NPS . SENT Should MD there RB be VB changes NNS in IN their PP$ charter NN . SENT JERRY NN HOWARD NP . SENT I PP find VVP it PP interesting JJ that IN the DT Administration NP has VHZ been VBN so RB critical JJ of IN Fannie NP Mae NP , , Freddie NP Mac NP and CC the DT Federal NP Home NP Loan NP Banks NNS recently RB . SENT The DT fact NN of IN the DT matter NN is VBZ that IN Fannie NP Mae NP , , Freddie NP Mac NP and CC the DT Federal NP Home NP Loan NP Banks NNS play VVP an DT integral JJ role NN in IN implementing VVG the DT Administration NP s PP federal JJ housing NN policy NN . SENT These DT entities NNS have VHP evolved VVN into IN extremely RB critical JJ components NNS of IN the DT nation NN s PP housing NN delivery NN system NN . SENT Their PP$ mission NN is VBZ to TO provide VV liquidity NN and CC stability NN to TO the DT housing NN credit NN markets NNS , , particularly RB in IN areas NNS that WDT otherwise RB would MD not RB be VB adequately RB served VVN . SENT By IN their PP$ Congressional JJ charters NNS , , these DT government NN sponsored VVD enterprises NNS GSEs NNS receive VVP several JJ privileges NNS and CC legal JJ exemptions NNS to TO assist VV them PP in IN achieving VVG their PP$ housing NN mission NN . SENT With IN the DT help NN of IN these DT GSEs NNS , , more JJR than IN two CD thirds NNS of IN the DT nation NN s PP households NNS are VBP home NN owners NNS . SENT In IN addition NN , , these DT GSEs NNS play VVP an DT important JJ role NN in IN the DT financing NN of IN affordable JJ rental JJ properties NNS . SENT Much RB of IN this DT is VBZ due JJ to TO the DT public JJ private JJ partnership NN established VVN by IN Congress NP more RBR than IN a DT half NN century NN ago RB . SENT Efforts NNS to TO diminish VV their PP$ GSE NP status NN or CC misguided JJ attempts NNS to TO overhaul VV their PP$ regulatory JJ oversight NN could MD impair VV the DT ability NN of IN these DT enterprises NNS to TO perform VV their PP$ critical JJ role NN in IN the DT housing NN finance NN system NN . SENT Changing VVG the DT GSEs NP agency NN status NN or CC removing VVG the DT housing NN perspective NN from IN their PP$ regulatory JJ oversight NN could MD have VH negative JJ ramifications NNS on IN the DT housing NN finance NN system NN . SENT Some DT of IN these DT negative JJ impacts NNS could MD include VV higher JJR mortgage NN rates NNS , , increased VVD volatility NN in IN the DT cost NN and CC availability NN of IN mortgage NN credit NN especially RB for IN affordable JJ housing NN , , lower JJR homeownership NN rates NNS , , fewer JJR affordable JJ rental JJ units NNS and CC reduced JJ mortgage NN product NN and CC technological JJ innovations NNS . SENT MR NP . SENT CROWE NP . SENT It PP has VHZ been VBN widely RB acknowledged VVN that DT housing NN has VHZ played VVN a DT particularly RB important JJ role NN over IN the DT past JJ couple NN of IN years NNS in IN keeping VVG the DT economy NN stronger JJR than IN it PP would MD otherwise RB have VH been VBN . SENT How WRB has VHZ government NN policy NN contributed VVD to TO this DT effort NN . SENT And CC what WP role NN do VVP you PP think VVP the DT housing NN GSEs NNS have VHP played VVN . SENT MR NP . SENT HOWARD NP . SENT Housing NP has VHZ been VBN huge JJ , , and CC NAHB NP is VBZ pleased JJ there EX is VBZ such JJ wide JJ recognition NN that IN the DT housing NN market NN has VHZ been VBN the DT key JJ engine NN of IN growth NN in IN recent JJ years NNS . SENT The DT housing NN sector NN continued VVD to TO excel VV in IN 2003 CD , , with IN new JJ home NN sales NNS achieving VVG a DT record JJ performance NN of IN more JJR than IN a DT million CD closings NNS . SENT Single JJ family NN home NN construction NN totaled VVD nearly RB 1 CD . SENT 5 CD million CD units NNS in IN 2003 CD and CC multifamily JJ activity NN , , while IN more RBR subdued VVN , , still RB posted VVD a DT respectable JJ showing NN , , pushing VVG total JJ housing NN starts VVZ above IN 1 CD . SENT 8 CD million CD units NNS . SENT While IN low JJ interest NN rates NNS and CC favorable JJ demographics NNS spurred VVD demand NN , , these DT results NNS would MD not RB have VH been VBN possible JJ without IN the DT support NN of IN the DT finance NN system NN for IN housing NN . SENT The DT effectiveness NN and CC resilience NN of IN this DT system NN is VBZ the DT result NN of IN a DT steadfast JJ commitment NN of IN federal JJ policy NN makers NNS to TO improving VVG the DT nation NN s PP housing NN conditions NNS and CC opportunities NNS . SENT The DT bedrock NN of IN the DT housing NN finance NN system NN is VBZ a DT liquid JJ and CC vibrant JJ secondary JJ market NN that WDT is VBZ the DT product NN of IN the DT activities NNS of IN Fannie NP Mae NP and CC Freddie NP Mac NP . SENT These DT enterprises NNS have VHP not RB only RB contributed VVN to TO the DT affordability NN of IN housing NN credit NN , , but CC also RB have VHP taken VVN the DT lead NN in IN expanding VVG the DT menu NN of IN affordable JJ housing NN programs NNS and CC products NNS . SENT The DT Federal NP Home NP Loan NP Banks NPS also RB continue VVP to TO play VV an DT important JJ role NN both CC by IN providing VVG liquidity NN to TO housing NN lenders NNS and CC by IN developing VVG innovative JJ programs NNS to TO address VV housing NN needs NNS . SENT MR NP . SENT CROWE NP . SENT What WP is VBZ the DT housing NN industry NN s PP view VVP of IN the DT wide JJ range NN of IN federal JJ policies NNS that WDT support VVP a DT strong JJ housing NN delivery NN system NN everything NN from IN the DT mortgage NN interest NN tax NN deduction NN , , to TO the DT Low NP Income NP Housing NP Tax NP Credit NP , , to TO housing NN s PP share NN of IN the DT federal JJ budget NN and CC the DT government NN s PP support VVP of IN the DT housing NN GSEs NNS . SENT Are VBP there RB ways NNS in IN which WDT the DT federal JJ government NN could MD improve VV its PP$ support NN . SENT MR NP . SENT HOWARD NP . SENT The DT United NP States NPS housing NN delivery NN system NN exemplifies VVZ a DT healthy JJ balance NN of IN private JJ and CC public JJ resources NNS that WDT provides VVZ greater JJR housing NN opportunities NNS for IN all DT . SENT The DT federal JJ government NN s PP support VVP of IN the DT housing NN finance NN system NN , , in IN partnership NN with IN financial JJ institutions NNS , , and CC via IN the DT provisions NNS of IN mortgage NN insurance NN and CC guarantees NNS , , is VBZ crucial JJ to TO a DT stable JJ and CC growing VVG secondary JJ market NN . SENT As IN I PP mentioned VVD , , government NN sponsored VVD enterprises NNS provide VV critical JJ links NNS between IN the DT national JJ and CC global JJ financial JJ markets NNS and CC the DT housing NN finance NN system NN , , further RBR enhancing VVG stability NN and CC growth NN . SENT And CC direct JJ federal JJ expenditures NNS serve VVP to TO reduce VV the DT cost NN of IN decent JJ and CC safe JJ housing NN to TO affordable JJ levels NNS . SENT Finally RB , , the DT U NP . SENT S NP . SENT tax NN system NN has VHZ been VBN used VVN for IN decades NNS as IN an DT effective JJ and CC efficient JJ policy NN tool NN that WDT expands VVZ housing NN opportunities NNS without IN elaborate JJ and CC expensive JJ bureaucracies NNS . SENT Tax NN incentives NNS distill VV public JJ policy NN goals NNS into IN economic JJ terms NNS , , and CC tax NN payers NNS react VVP in IN the DT marketplace NN as IN they PP would MD to TO any DT other JJ economic JJ signal NN . SENT While IN we PP are VBP the DT best RBS housed VVN nation NN , , there EX s PP always RB room NN for IN improvement NN . SENT For IN example NN many JJ well RB intentioned JJ federal JJ regulations NNS , , primarily RB aimed VVN at IN environmental JJ concerns NNS , , have VHP unintended JJ adverse JJ impacts NNS on IN housing NN affordability NN . SENT We PP believe VVP that DT environmental JJ protection NN can MD be VB equally RB effective JJ if IN the DT economic JJ impact NN of IN these DT laws NNS and CC regulations NNS is VBZ evaluated VVN against IN the DT environmental JJ benefit NN . SENT This DT is VBZ not RB currently RB required VVN , , but CC should MD be VB . SENT Also RB , , housing NN policy NN should MD undergo VV review NN and CC refinement NN as IN housing NN and CC community NN development NN needs VVZ shift VV and CC evolve VV . SENT The DT housing NN rocket NN scientists NNS have VHP come VVN up RP with IN an DT idea NN for IN a DT new JJ tax NN credit NN to TO spur VV minority NN homeownership NN and CC economic JJ revitalization NN of IN downtrodden JJ communities NNS , , and CC legislation NN to TO establish VV such PDT a DT program NN is VBZ now RB before IN Congress NP . SENT We PP need VVP to TO continue VV to TO add VV new JJ housing NN policy NN tools NNS , , as RB well RB as IN fine JJ tune NN the DT proven JJ mechanisms NNS . SENT MR NP . SENT CROWE NP . SENT To TO what WP extent NN are VBP you PP concerned VVN about IN the DT current JJ condition NN or CC operation NN of IN Fannie NP and CC Freddie NP . SENT MR NP . SENT HOWARD NP . SENT We PP are VBP not RB aware JJ that IN anyone NN , , even RB Fannie NP s PP and CC Freddie NP s VVZ harshest JJS critics NNS , , is VBZ claiming VVG that IN a DT crisis NN is VBZ looming VVG . SENT These DT companies NNS are VBP in IN solid JJ condition NN , , as IN OFHEO NP continues VVZ to TO certify VV . SENT The DT accounting NN problems NNS at IN Freddie NP Mac NP certainly RB are VBP real JJ , , but CC it PP s VVZ a DT case NN of IN being VBG more RBR profitable JJ than IN previously RB stated VVN . SENT Both DT companies NNS continue VVP to TO meet VV very RB tough JJ capital NN tests NNS with IN flying VVG colors NNS and CC we PP see VVP no DT evidence NN of IN erosion NN in IN their PP$ financial JJ health NN . SENT We PP wish VVP other JJ companies NNS were VBD in IN as RB good JJ a DT shape NN . SENT MR NP . SENT CROWE NP . SENT The DT housing NN industry NN has VHZ been VBN adamant JJ in IN its PP$ opposition NN to TO taking VVG control NN of IN the DT GSE NP programs NNS away RB from IN HUD NP and CC putting VVG it PP in IN the DT hands NNS of IN the DT Treasury NP . SENT Why WRB is VBZ it PP so RB important JJ for IN this DT authority NN to TO remain VV at IN HUD NP . SENT MR NP . SENT HOWARD NP . SENT It PP s PP quite RB simple JJ HUD NP is VBZ the DT only JJ cabinet NN agency NN with IN a DT thorough JJ understanding NN of IN , , and CC extensive JJ involvement NN in IN , , housing NN related JJ issues NNS . SENT I PP have VHP a DT high JJ regard NN for IN the DT Treasury NP s PP ability NN to TO oversee VV the DT safety NN and CC soundness NN of IN Fannie NP Mae NP and CC Freddie NP Mac NP s PP operations NNS . SENT But CC those DT who WP care VVP about IN housing NN are VBP extremely RB skeptical JJ of IN Treasury NP s PP intentions NNS in IN volunteering VVG to TO be VB a DT world NN class NN housing NN GSE NP regulator NN because RB , , time NN and CC again RB , , they PP have VHP expressed VVN an DT anti JJ housing NN bias NN in IN their PP$ policy NN statements NNS and CC actions NNS . SENT This DT is VBZ a DT historic JJ bias NN that WDT goes VVZ back RB for IN decades NNS and CC has VHZ been VBN apparent JJ in IN both DT Democratic JJ and CC Republican JJ Administrations NNS . SENT That IN just RB doesn NN t NN seem VVP like IN the DT kind NN of IN regulator NN you PP want VVP to TO have VH in IN charge NN of IN deciding VVG the DT types NNS of IN things NNS Freddie NP , , Fannie NP and CC the DT FHLBanks NP can NN and CC cannot NN do VVP . SENT NAHB NP strongly RB believes VVZ that IN Fannie NP Mae NP s PP and CC Freddie NP Mac NP s PP ability NN to TO spur VV innovative JJ solutions NNS and CC to TO develop VV new JJ products NNS that IN increase NN homeownership NN will MD continue VV only RB if IN the DT mission NN of IN these DT corporations NNS is VBZ regulated VVN by IN an DT agency NN that WDT understands VVZ and CC is VBZ immersed VVN in IN housing NN related JJ issues NNS . SENT HUD NP has VHZ proven VVN itself PP to TO possess VV the DT capacity NN to TO adequately RB evaluate VV the DT potential JJ benefits NNS to TO housing NN from IN the DT GSEs NP innovation NN and CC advancement NN in IN products NNS and CC to TO ensure VV that IN the DT GSEs NNS do VVP not RB stray VV from IN their PP$ statutory JJ mission NN . SENT To TO make VV a DT good JJ thing NN better RBR , , HUD NP s PP program NN oversight NN could MD be VB strengthened VVN through IN the DT establishment NN of IN an DT independently RB funded VVN office NN within IN HUD NP . SENT Having VHG an DT office NN within IN HUD NP dedicated VVN to TO mission NN oversight NN of IN Fannie NP and CC Freddie NP would MD be VB preferable JJ to TO the DT current JJ situation NN where WRB GSE NP oversight NN is VBZ conducted VVN through IN the DT Office NP of IN Housing NP with IN few JJ dedicated JJ staff NN and CC staff NN from IN other JJ HUD NP offices NNS are VBP detailed JJ on IN an DT ad FW hoc FW basis NN for IN GSE NP oversight NN duties NNS . SENT Of IN course NN , , there EX would MD be VB staffing VVG , , administrative JJ and CC operational JJ costs NNS to TO achieve VV this DT increased JJ regulatory JJ scrutiny NN . SENT One CD way NN to TO minimize VV the DT costs NNS to TO taxpayers NNS is VBZ to TO handle VV it PP by IN assessing VVG Fannie NP Mae NP and CC Freddie NP Mac NP to TO fund VV the DT new JJ HUD NP office NN . SENT The DT new JJ program NN approval NN process NN is VBZ another DT area NN where WRB it PP seems VVZ like IN people NNS are VBP trying VVG to TO substitute VV regulatory JJ bureaucracy NN for IN common JJ sense NN . SENT The DT current JJ process NN rightfully RB limits VVZ prior JJ approval NN to TO new JJ programs NNS , , which WDT are VBP defined VVN as IN very RB broad JJ undertakings NNS unlike IN what WP is VBZ currently RB being VBG done VVN . SENT Others NNS are VBP proposing VVG to TO significantly RB broaden VV what WP would MD have VH to TO be VB approved VVN to TO include VV any DT new JJ business NN activities NNS . SENT Submitting VVG each DT new JJ activity NN to TO the DT approval NN process NN envisioned VVN by IN the DT Administration NP would MD result VV in IN such JJ micromanagement NN of IN the DT GSEs NP innovations NNS that IN they PP would MD be VB unable JJ to TO respond VV to TO changing VVG market NN conditions NNS in IN a DT timely JJ fashion NN . SENT The DT result NN would MD be VB to TO stifle VV or CC severely RB inhibit VV development NN and CC implementation NN of IN valuable JJ new JJ mortgage NN products NNS and CC technological JJ innovations NNS that WDT have VHP helped VVN to TO dramatically RB expand VV homeownership NN in IN the DT country NN . SENT MR NP . SENT CROWE NP . SENT There EX has VHZ been VBN speculation NN in IN the DT media NNS and CC in IN Congress NP about IN what WP an DT independent JJ regulator NN would MD look VV like IN and CC that IN it PP could MD possibly RB be VB a DT board NN . SENT Is VBZ there RB possibly RB room NN there RB to TO compromise VV . SENT Given VVN that IN there EX are VBP some DT strong JJ differences NNS between IN the DT Administration NP and CC the DT housing NN industry NN and CC within IN Congress NP about IN the DT role NN of IN a DT new JJ independent JJ GSE NP regulator NN , , particularly RB over IN the DT issue NN of IN program NN oversight NN , , do VVP you PP perceive VVP any DT common JJ ground NN between IN these DT two CD views NNS that WDT might MD suggest VV the DT possibility NN of IN a DT compromise NN . SENT MR NP . SENT HOWARD NP . SENT The DT discussions NNS about IN who WP should MD regulate VV the DT housing NN GSEs NNS have VHP been VBN like IN performing VVG exploratory JJ surgery NN on IN the DT central JJ nervous JJ system NN of IN the DT housing NN industry NN and CC the DT economy NN in IN general NN . SENT No DT one NN wants VVZ to TO jeopardize VV the DT housing NN finance NN system NN that WDT is VBZ the DT envy NN of IN the DT world NN . SENT But CC , , many JJ people NNS feel VVP passionate JJ about IN their PP$ views NNS . SENT And CC rightly RB so RB . SENT After IN all DT , , we PP re IN not RB talking VVG about IN widgets NNS , , we PP re IN talking VVG about IN peoples NNS homes NNS . SENT Here RB is VBZ NAHB NP s PP perspective NN plain JJ and CC simple JJ . SENT the DT regulatory JJ framework NN for IN the DT GSEs NNS should MD be VB credible JJ and CC effective JJ to TO ensure VV these DT organizations NNS fulfill VVP their PP$ mission NN in IN a DT safe JJ and CC sound JJ manner NN . SENT If IN every DT policy NN maker NN focuses VVZ on IN this DT goal NN , , I NN m NN certain JJ the DT outcome NN will MD be VB a DT world NN class NN regulator NN . SENT Things NNS get VVP bogged RB down RB when WRB people NNS focus VVP on IN protecting VVG their PP$ turf NN . SENT I PP m NN pleased VVN that IN the DT Administration NP , , lawmakers NNS and CC key JJ policy NN makers NNS have VHP resumed VVN discussions NNS . SENT As IN I PP mentioned VVD before RB , , NAHB NP strongly RB believes VVZ that IN HUD NP is VBZ the DT appropriate JJ agency NN to TO regulate VV the DT mission NN of IN Fannie NP Mae NP and CC Freddie NP Mac NP , , including VVG approving VVG new JJ programs NNS and CC establishing VVG affordable JJ housing NN goals NNS . SENT However RB , , we PP d NN be VB willing JJ to TO explore VV the DT feasibility NN of IN establishing VVG an DT independent JJ GSE NP regulator NN outside NN of IN Treasury NP so RB long RB as IN that DT entity NN has VHZ a DT thorough JJ understanding NN of IN and CC extensive JJ involvement NN in IN housing NN related JJ issues NNS . SENT The DT regulator NN could MD be VB structured VVN with IN a DT governing VVG board NN of IN directors NNS that WDT includes VVZ HUD NP officials NNS and CC representatives NNS from IN the DT housing NN sector NN on IN the DT board NN to TO ensure VV the DT GSE NP regulator NN possesses VVZ sufficient JJ housing NN related JJ expertise NN . SENT MR NP . SENT CROWE NP . SENT Treasury NP Assistant NP Secretary NP Wayne NP Abernathy NP has VHZ suggested VVN that IN there EX might MD be VB a DT role NN for IN the DT housing NN industry NN in IN the DT discussion NN over IN how WRB the DT new JJ regulator NN is VBZ set VVN up RP . SENT What WP do VVP you PP believe VVP the DT industry NN s PP role NN should MD be VB and CC what WP points NNS do VVP you PP believe VVP need VV to TO be VB emphasized VVN if IN that DT dialogue NN should MD arise VV . SENT MR NP . SENT HOWARD NP . SENT I PP wouldn NN t NN say VVP there EX might MD be VB a DT role NN . SENT I NN d SYM say NN there EX must MD be VB a DT role NN . SENT It PP would MD be VB a DT huge JJ mistake NN to TO turn VV discussion NN on IN GSE NP regulation NN into IN a DT free JJ for IN all DT referendum NN of IN our PP$ highly RB successful JJ housing NN finance NN system NN . SENT Decisions NNS that WDT have VHP not RB been VBN vetted VVN by IN those DT who WP will MD have VH to TO live VV with IN them PP could MD have VH catastrophic JJ consequences NNS for IN housing NN . SENT NAHB NP urges VVZ a DT careful JJ and CC thoughtful JJ approach NN on IN GSE NP regulation NN and CC believes VVZ such PDT a DT course NN will MD produce VV tremendous JJ rewards NNS to TO those DT with IN most RBS at IN stake NN in IN the DT process NN America NP s VVZ home NN owners NNS and CC renters NNS . SENT NAHB NP s PP involvement NN in IN the DT discussion NN over IN how WRB the DT new JJ regulator NN is VBZ set VVN up RP would MD add VV the DT wisdom NN , , knowledge NN and CC experience NN of IN over IN 215 CD , , 000 CD direct JJ participants NNS in IN the DT production NN of IN housing NN and CC related JJ activities NNS . SENT In IN fact NN , , here RB is VBZ what WP NAHB NP members NNS believe VVP should MD be VB the DT guiding JJ principles NNS of IN the DT GSE NP regulatory JJ reform NN debate NN . SENT The DT first JJ principle NN is VBZ that IN the DT GSE NP status NN of IN these DT institutions NNS must MD be VB maintained VVN . SENT Efforts NNS to TO privatize VV , , withdraw VV any DT of IN the DT federal JJ privileges NNS and CC legal JJ exemptions NNS or CC otherwise RB diminish VV the DT ability NN of IN the DT GSEs NNS to TO provide VV housing NN financing NN at IN the DT lowest JJS possible JJ cost NN should MD be VB opposed VVN . SENT Our PP$ second JJ guiding JJ principle NN is VBZ that IN the DT GSEs NNS should MD fulfill VV their PP$ public JJ mission NN by IN conducting VVG activities NNS authorized VVN by IN their PP$ charters NNS in IN a DT safe JJ and CC sound JJ manner NN and CC by IN promoting VVG access NN to TO mortgage VV credit NN to TO address VV the DT needs NNS of IN affordable JJ housing NN throughout IN the DT nation NN . SENT Third JJ on IN our PP$ list NN of IN principles NNS for IN reform NN efforts NNS is VBZ that IN the DT regulatory JJ framework NN of IN the DT GSEs NNS should MD be VB strong JJ and CC credible JJ , , possess VVP adequate JJ authority NN and CC resources NNS and CC reflect VV the DT differences NNS inherent JJ in IN the DT charters NNS and CC operating VVG structures NNS of IN the DT GSEs NNS . SENT Further RBR , , the DT regulatory JJ framework NN should MD foster VV competition NN among IN the DT GSEs NNS to TO develop VV and CC implement VV innovative JJ , , low JJ cost NN funding NN and CC other JJ programs NNS to TO meet VV the DT nation NN s PP housing NN credit NN needs VVZ . SENT Fourth JJ , , the DT mission NN oversight NN of IN Fannie NP Mae NP and CC Freddie NP Mac NP including VVG approval NN of IN new JJ programs NNS and CC enforcement NN of IN affordable JJ housing NN goals NNS should MD be VB conducted VVN by IN the DT Department NP of IN Housing NP and CC Urban NP Development NP or CC another DT entity NN with IN a DT thorough JJ understanding NN of IN , , and CC extensive JJ involvement NN in IN , , housing NN related JJ issues NNS . SENT Fifth RB , , we PP believe VVP that IN the DT safety NN and CC soundness NN oversight NN of IN Fannie NP Mae NP and CC Freddie NP Mac NP should MD be VB conducted VVN by IN an DT independent JJ regulatory JJ agency NN through IN rigorous JJ examinations NNS , , enforcement NN of IN regulations NNS including VVG capital NN standards NNS and CC transparency NN , , without IN unnecessarily RB impairing VVG the DT ability NN of IN these DT GSEs NNS to TO accomplish VV their PP$ mission NN . SENT The DT sixth JJ of IN our PP$ guiding JJ principles NNS is VBZ that IN the DT recently RB implemented VVN risk NN based VVN capital NN standards NNS for IN Fannie NP Mae NP and CC Freddie NP Mac NP should MD be VB allowed VVN to TO remain VV in IN place NN for IN a DT period NN of IN time NN sufficient JJ to TO evaluate VV the DT effectiveness NN of IN the DT new JJ standards NNS . SENT And CC seventh JJ , , the DT regulation NN of IN the DT mission NN and CC safety NN and CC soundness NN of IN the DT Federal NP Home NP Loan NP Bank NP System NP should MD reflect VV the DT uniqueness NN of IN the DT system NN s PP mission NN , , cooperative JJ operating NN structure NN , , charter NN type NN and CC other JJ characteristics NNS . SENT This DT is VBZ best RBS accomplished VVN by IN having VHG a DT regulator NN dedicated VVN solely RB to TO FHLBank NP System NP oversight NN or CC by IN having VHG a DT separate JJ FHLBank NP System NP oversight NN division NN if IN a DT single JJ agency NN regulates VVZ all DT of IN the DT housing NN GSEs NNS . SENT To TO read VV an DT accompanying JJ interview NN with IN Assistant NP Treasury NP Secretary NP Wayne NP Abernathy NP , , click NN here RB . SENT Woodyard NP Golf NP Tournament NN Provides VVZ Support NN for IN Political NP Action NP The DT culminating VVG event NN in IN NAHB NP s PP year NN long JJ golf NN program NN in IN support NN of IN BUILD VV PAC NP , , the DT 13 CD th NN annual JJ NAHB NP Golf NP Tournament NN of IN Champions NNS , , in IN memory NN of IN Jim NP Woodyard NP and CC sponsored VVN by IN Fannie NP Mae NP , , was VBD held VVN on IN Jan NP . SENT 20 CD at IN the DT Angel NP Park NP Golf NP Course NP in IN Las NP Vegas NP in IN conjunction NN with IN the DT International NP Builders NPS Show NP . SENT Woodyard NP , , who WP was VBD an DT active JJ and CC influential JJ member NN of IN NAHB NP and CC a DT long JJ time NN supporter NN of IN BUILD VV PAC NP , , died VVD on IN Nov NP . SENT 19 CD , , when WRB the DT single JJ engine NN aircraft NN he PP was VBD piloting VVG crashed VVD in IN the DT Idaho NP back NN country NN . SENT In IN this DT pivotal JJ presidential JJ election NN year NN where WRB control NN of IN both DT chambers NNS of IN Congress NP is VBZ hanging VVG in IN the DT balance NN , , the DT golfing VVG program NN helped VVD to TO raise VV thousands NNS of IN dollars NNS for IN BUILD VV PAC NP , , NAHB NP s PP political JJ action NN committee NN , , whose WP$ mission NN is VBZ to TO elect VV pro JJ housing NN candidates NNS to TO Congress NP . SENT The DT tournament NN drew VVD more JJR than IN 280 CD builders NNS and CC associates NNS . SENT Last JJ year NN , , more JJR than IN 3 CD , , 700 CD golfers NNS participated VVN in IN state NN and CC local JJ tournament NN program NN to TO support VV the DT housing NN industry NN s PP political JJ action NN efforts NNS . SENT With IN this DT level NN of IN participation NN , , we PP were VBD able JJ to TO raise VV over IN 450 CD , , 000 CD for IN pro JJ housing NN federal JJ candidates NNS , , allowing VVG NAHB NP to TO continue VV to TO have VH a DT powerful JJ and CC influential JJ voice NN on IN Capitol NP Hill NP , , said VVD Bob NP Nielsen NP , , 2003 CD BUILD VVN PAC NP chairman NN . SENT I PP would MD also RB like VV to TO recognize VV and CC personally RB thank VVP Fannie NP Mae NP , , our PP$ sponsor NN of IN this DT year NN s PP tournament NN , , said VVD Nielsen NP . SENT They PP helped VVD to TO make VV the DT 2003 CD National NP Golf NP Tour VV such PDT an DT exceptional JJ program NN , , and CC without IN their PP$ great JJ support NN we PP would MD not RB have VH been VBN able JJ to TO host VV this DT exciting JJ event NN . SENT Free JJ Publication NN Provides VVZ Background NN on IN Trends NNS in IN Homes NPS and CC Apartments NNS The DT latest JJS edition NN of IN NAHB NP s PP media NNS backgrounder NN , , Housing NN Facts NNS , , Figures NNS and CC Trends NNS 2004 CD , , provides VVZ a DT compendium NN of IN historical JJ information NN on IN home NN and CC apartment NN building NN in IN the DT U NP . SENT S NP . SENT The DT 50 CD page NN publication NN details NNS annual JJ home NN prices NNS , , mortgage NN interest NN rates NNS and CC characteristics NNS of IN new JJ homes NNS and CC apartments NNS over IN the DT last JJ 13 CD years NNS . SENT It PP also RB lists VVZ the DT top JJ 50 CD metro NN markets NNS for IN housing NN permits NNS , , popular JJ materials NNS used VVN in IN new JJ homes NNS and CC apartments NNS , , and CC home NN buyer NN preferences NNS . SENT Also RB featured VVN in IN the DT new JJ publication NN is VBZ a DT listing NN of IN the DT nation NN s PP most RBS affordable JJ housing NN markets NNS , , information NN on IN how WRB housing NN affects VVZ the DT economy NN and CC an DT examination NN of IN housing NN affordability NN issues NNS . SENT Homeownership NN rates NNS and CC historical JJ U NP . SENT S NP . SENT demographic JJ data NNS are VBP also RB provided VVN . SENT Following VVG are VBP just RB a DT few JJ of IN the DT highlights NNS from IN Housing NN Facts NNS , , Figures NNS Trends NNS 2004 CD . SENT The DT top JJ metro NN market NN for IN single JJ family NN permits NNS in IN the DT first JJ nine CD months NNS of IN 2003 CD was VBD Atlanta NP , , with IN 40 CD , , 580 CD permits NNS issued VVD . SENT Other JJ metros NNS in IN the DT top JJ five CD include VVP Phoenix NP Mesa NP , , AZ NP . SENT Riverside NP San NP Bernardino NP , , CA MD . SENT Houston NP . SENT and CC Washington NP , , D NP . SENT C SYM . SENT , , in IN that DT order NN . SENT The DT top JJ metro NN market NN for IN multifamily JJ permits NNS in IN the DT first JJ nine CD months NNS of IN 2003 CD was VBD New NP York NP , , with IN just RB over IN 15 CD , , 000 CD . SENT Other JJ metros NNS in IN the DT top JJ five CD include VVP Houston NP , , Chicago NP , , Atlanta NP and CC Las NP Vegas NP , , in IN that DT order NN . SENT The DT median JJ and CC average JJ prices NNS of IN new JJ and CC existing JJ homes NNS more RBR than IN doubled VVN in IN the DT last JJ two CD decades NNS of IN the DT 20 CD th NN century NN . SENT An DT average NN of IN 19 CD windows NNS , , 19 CD tons NNS of IN cement NN and CC 13 CD , , 837 CD board NN feet NNS of IN framing VVG lumber NN go VVP into IN a DT typical JJ newly RB built VVN 2 CD , , 272 CD square JJ foot NN home NN . SENT A DT walk NN in IN pantry NN is VBZ the DT most RBS favored JJ special JJ feature NN in IN new JJ home NN kitchens NNS , , with IN 78 CD of IN respondents NNS in IN a DT recent JJ NAHB NP survey NN rating NN it PP as RB desirable JJ or CC essential JJ . SENT The DT next JJ most RBS important JJ kitchen NN features NNS are VBP island NN work NN areas NNS 71 CD and CC light JJ wood NN cabinets NNS 59 CD . SENT Multifamily JJ home NN building NN in IN 2002 CD , , which WDT totaled VVD 347 CD , , 000 CD units NNS , , generated VVD 357 CD , , 000 CD jobs NNS in IN worker NN years NNS of IN employment NN , , 13 CD . SENT 3 CD billion CD in IN wages NNS and CC 7 CD . SENT 1 CD billion CD in IN federal JJ , , state NN and CC local JJ taxes NNS , , according VVG to TO NAHB NP estimates NNS . SENT In IN the DT first JJ 12 CD months NNS after IN purchasing VVG a DT newly RB built VVN home NN , , owners NNS spend VVP an DT average NN of IN 8 CD , , 905 CD to TO furnish VV , , decorate VV and CC improve VV their PP$ investment NN . SENT Buyers NNS of IN existing JJ homes NNS spend VVP 3 CD , , 766 CD more JJR than IN non JJ moving VVG home NN owners NNS during IN the DT 12 CD months NNS after IN purchasing VVG their PP$ home NN , , and CC renters NNS also RB spend VVP significant JJ amounts NNS on IN furnishing VVG their PP$ new JJ homes NNS and CC apartments NNS . SENT To TO download VV the DT publication NN , , click NN here RB . SENT Good JJ Self NP Defense NP Strategies NP Will MD Help VV Protect VV Your PP$ Business NN From IN Fraud NP The DT third JJ in IN a DT series NN about IN preventing VVG fraud NN from IN affecting VVG your PP$ business NN . SENT Several JJ years NNS ago IN I PP took VVD a DT basic JJ self NN defense NN class NN . SENT I PP learned VVD effective JJ combat NN skills NNS , , but CC the DT most RBS valuable JJ lessons NNS I PP learned VVD concerned JJ . SENT Being VBG mentally RB prepared VVN Proactively JJ avoiding VVG problems NNS before IN they PP occur VVP Recognizing VVG dangerous JJ situations NNS and CC identifying VVG emerging VVG problems NNS Planning NP safe JJ , , effective JJ responses NNS to TO dangerous JJ situations NNS Controls NP are VBP key JJ to TO self NN defense NN . SENT Several JJ universal JJ concepts NNS come VVN into IN play NN whether IN you PP re IN defending VVG your PP$ life NN , , your PP$ honor NN or CC your PP$ assets NNS on IN behalf NN of IN yourself PP , , your PP$ family NN , , employees NNS , , vendors NNS or CC customers NNS . SENT Use VV the DT following VVG self NN defense NN strategies NNS to TO protect VV your PP$ business NN from IN fraud NN . SENT Develop VV an DT Awareness NN of IN Danger NP This NP is VBZ your PP$ first JJ line NN of IN defense NN . SENT You PP must MD raise VV your PP$ level NN of IN awareness NN to TO continually RB recognize VV that DT fraud NN exists VVZ and CC can MD happen VV to TO you PP . SENT When WRB you PP sense VVP danger NN , , trust NN and CC act NN on IN your PP$ gut NN response NN . SENT For IN example NN , , if IN you PP see VVP an DT employee NN furtively RB slide VV one CD sheet NN of IN paper NN beneath IN another DT when WRB you PP walk VVP into IN the DT room NN , , or CC he PP can MD t NN give VV you PP logical JJ answers NNS when WRB you PP ask VVP specific JJ questions NNS , , or CC she PP acts VVZ defensive JJ when WRB you PP look VVP in IN her PP$ desk NN for IN information NN you PP need VVP , , don VV t NN ignore VV your PP$ sense NN of IN unease NN . SENT Investigate VV . SENT Control VV Your PP$ Environment NP You NP d SYM plan NN ahead RB so IN you PP wouldn NN t NN have VHP to TO walk VV alone RB through IN a DT dangerous JJ part NN of IN town NN at IN 2 CD a DT . SENT m NN . SENT Likewise RB , , think VVP ahead RB about IN possible JJ fraud NN scenarios NNS so IN you PP can MD avoid VV or CC detect VV them PP . SENT For IN each DT asset NN at IN risk NN . SENT Consider VV how WRB it PP could MD be VB used VVN improperly RB or CC illegally RB . SENT Blank JJ checks NNS are VBP but RB one CD example NN of IN such PDT an DT asset NN it PP could MD be VB easy JJ for IN someone NN to TO steal VV and CC use VV some DT of IN your PP$ blank JJ checks NNS . SENT Re NP evaluate VVP current JJ risky JJ practices NNS . SENT Do VV you PP store VV your PP$ blank JJ checks NNS in IN a DT box NN next JJ to TO the DT printer NN . SENT Develop VV effective JJ prevention NN techniques NNS . SENT Store VV your PP$ back JJ stock NN of IN blank JJ checks NNS in IN a DT locked JJ , , fireproof JJ filing NN cabinet NN and CC lock VV limited JJ quantities NNS of IN your PP$ current JJ check NN stock NN in IN a DT secure JJ drawer NN in IN the DT accountant NN s PP office NN . SENT Practice NN backup NN and CC contingency NN plans NNS . SENT What WP do VVP you PP do VVP if IN someone NN needs VVZ to TO pay VV for IN a DT delivery NN and CC the DT checks NNS are VBP all RB locked VVN up RP . SENT Monitor NN usage NN . SENT To TO keep VV tabs NNS on IN your PP$ blank JJ checks NNS and CC ensure VV none NN are VBP missing VVG or CC used VVN improperly RB , , try VVP keeping VVG back RB stock NN in IN security NN sealed JJ boxes NNS , , periodically RB counting VVG current JJ check NN stock NN , , using VVG manually RB prepared JJ check NN number NN approval NN logs NNS and CC performing VVG interim JJ and CC or CC immediate JJ bank NN reconciliations NNS . SENT Prepare VV your PP$ weapons NNS . SENT Develop VV procedures NNS to TO recover VV the DT asset NN if IN it PP has VHZ been VBN used VVN fraudulently RB or CC if IN its PP$ security NN has VHZ been VBN compromised VVN . SENT Here RB are VBP some DT steps NNS you PP might MD take VV if IN anyone NN has VHZ left VVN some DT blank JJ checks NNS lying VVG around RP or CC you PP discover VVP some DT are VBP missing VVG . SENT Immediately RB contact VV the DT bank NN to TO see VV if IN the DT checks NNS have VHP cleared VVN . SENT make VV a DT stop NN payment NN request NN if IN they PP haven NN t NN and CC file VV a DT police NN report NN for IN stolen JJ checks NNS that WDT have VHP cleared VVN the DT bank NN . SENT Meet VV with IN the DT bank NN s PP security NN officer NN to TO determine VV the DT next JJ steps NNS . SENT Change NN bank NN accounts NNS . SENT Many JJ other JJ assets NNS are VBP at IN just RB as IN much JJ risk NN as IN those DT blank JJ checks NNS . SENT You PP should MD apply VV the DT six CD steps NNS outlined VVN above IN to TO all PDT your PP$ vulnerable JJ assets NNS . SENT Don NP t NN Look NN Like IN a DT Victim NN Here RB are VBP some DT examples NNS of IN business NN weaknesses NNS that WDT contribute VVP to TO fraud NN or CC allow VV it PP to TO occur VV quietly RB and CC undetected JJ over IN time NN . SENT Incomplete JJ or CC inaccurate JJ financial JJ reporting NN Not RB comparing VVG planned JJ job NN costs NNS , , sales NNS or CC company NN performance NN with IN actual JJ outcomes NNS Checkbook NN registers NNS that IN aren NP t NN accurate JJ or CC aren NP t NN reconciled VVD with IN bank NN statements NNS Bills NNS regularly RB paid VVD late JJ Financial NP transactions NNS delegated VVD to TO others NNS with IN little JJ or CC no DT supervision NN Missing VVG , , disorganized VVD , , cluttered JJ or CC inefficient JJ documents NNS and CC filing NN Letting VVG everyone NN know VVP that IN , , Sue NP always RB handles VVZ all DT of IN the DT paperwork NN Company NN owner NN and CC or CC management NN ignoring VVG financial JJ reports NNS or CC the DT numbers NNS side NN of IN the DT business NN If IN any DT of IN these DT conditions NNS exist VVP in IN your PP$ business NN , , you PP re IN at IN high JJ risk NN for IN fraud NN . SENT Don NP t NN make VVP the DT situation NN worse RBR by IN advertising VVG these DT financial JJ weaknesses NNS inside IN or CC outside IN your PP$ company NN . SENT You PP may MD need VV immediate JJ , , qualified JJ professional JJ assistance NN to TO put VV effective JJ financial JJ controls NNS in IN place NN . SENT Then RB you PP can MD begin VV to TO work VV from IN a DT position NN of IN true JJ vs NP . SENT perceived VVN strength NN and CC internal JJ control NN . SENT Act NP Quickly RB , , Find VVP Help VV , , Fight VV Smart NP It PP s VVZ one CD thing NN to TO know VV you PP re IN vulnerable JJ and CC another DT to TO suspect VV you PP re IN in IN actual JJ , , immediate JJ danger NN of IN losing VVG assets NNS . SENT If IN you PP have VHP any DT evidence NN of IN even RB a DT minor JJ problem NN , , don VV t NN wait VV to TO take VV action NN . SENT Many JJ frauds NNS seem VVP insignificant JJ when WRB discovered VVN , , but CC few JJ are VBP actually RB as RB small JJ or CC innocuous JJ as IN they PP first RB appear VVP . SENT Here RB are VBP pointers NNS for IN developing VVG an DT action NN plan NN . SENT Maintain VV a DT friendly JJ , , professional JJ demeanor NN with IN all DT employees NNS . SENT If IN you PP suspect VVP an DT employee NN of IN wrongdoing NN , , do VVP not RB immediately RB confront VV him PP on IN your PP$ own JJ or CC dismiss VV him PP . SENT you PP may MD encounter VV a DT variety NN of IN legal JJ pitfalls NNS . SENT Contact VV your PP$ attorney NN , , CPA NP and CC perhaps RB an DT information NN technology NN consultant NN within IN 24 CD hours NNS of IN discovering VVG or CC suspecting VVG fraud NN . SENT Ask VV them PP for IN advice NN on IN how WRB to TO . SENT Obtain VV information NN from IN the DT employee NN . SENT Handle VV the DT employee NN s PP dismissal NN and CC exit NN from IN your PP$ premises NNS . SENT Secure VV your PP$ premises NNS and CC computer NN data NNS Note VV . SENT If IN you PP believe VVP the DT employee NN s PP computer NN was VBD involved VVN , , do VVP not RB turn VV the DT computer NN on RP or CC off RP or CC do VV your PP$ own JJ searches NNS . SENT You PP can MD easily RB destroy VV evidence NN that IN an DT expert NN could MD extract VV . SENT Safeguard VV evidence NN e NN . SENT g NN . SENT , , on IN computers NNS and CC determine VV the DT full JJ extent NN of IN the DT loss NN . SENT Protect VV yourself PP from IN potential JJ lawsuits NNS or CC other JJ fallout NN . SENT Determine VV whether IN or CC not RB to TO press VV charges NNS . SENT Consider VV the DT time NN , , stress NN and CC money NN required VVN . SENT Try VV to TO obtain VV restitution NN . SENT Present VV the DT situation NN to TO other JJ employees NNS . SENT Do VVP not RB try VV to TO resolve VV the DT problem NN yourself PP . SENT You PP don VV t NN have VHP the DT expertise NN to TO handle VV it PP and CC may MD make VV the DT situation NN worse RBR or CC do VVP something NN that IN doesn NN t NN produce VVP good JJ long JJ term NN results NNS . SENT Instead RB , , ask VV your PP$ professional JJ advisors NNS how WRB to TO proceed VV . SENT Unfortunately RB , , you PP never RB really RB win VV when WRB you PP encounter VV fraud NN or CC any DT self NN defense NN situation NN . SENT The DT best JJS you PP can MD do VV is VBZ to TO cut VV your PP$ losses NNS as RB quickly RB as IN possible JJ and CC avoid VV more JJR bloodletting NN . SENT That WDT s PP why WRB front JJ end NN prevention NN is VBZ so RB critical JJ . SENT Diane NP C NP . SENT O NP . SENT Gilson NP , , CPA NP , , CIA NP , , is VBZ a DT Certified NP QuickBooks NP ProAdvisor NP and CC MasterBuilder NP ProAdvisor NP , , author NN , , trainer NN and CC construction NN accounting NN coach NN , , as RB well RB as IN a DT frequent JJ speaker NN at IN The DT International NP Builders NPS Show NP and CC The DT Remodelers NNS Show NN . SENT Her PP$ firm NN , , Info NP Plus NP Accounting NP PC NP CPA NP , , offers VVZ bookkeeping NN and CC support NN services NNS to TO help VV construction NN companies NNS do VVP more RBR accurate JJ and CC timely JJ job NN costing VVG and CC run VV better JJR management NN reports NNS . SENT Contact NP Gilson NP via IN e NN mail NN , , or CC call VV her PP at IN 734 CD 544 CD 7620 CD . SENT Earlier JJR Articles NNS in IN this DT Series NN To TO read VV , , Protecting VVG Yourself PP From IN Fraud NP . SENT An DT Introduction NN , , Part NP 1 CD of IN this DT series NN , , published VVN Dec NP . SENT 15 CD , , click NN here RB . SENT To TO read VV , , Are VBP You PP at IN Risk NN . SENT Protecting VVG Yourself PP From IN Fraud NP , , Part NP 2 CD of IN this DT series NN , , published VVN Jan NP . SENT 26 CD , , click NN here RB . SENT Accounting NN with IN QuickBooks NP Pro NP Available JJ at IN BuilderBooks NP . SENT com NN Accounting NN with IN QuickBooks NP Pro NP for IN Home NP Builders NPS and CC Remodelers NNS , , including VVG a DT CD NP ROM NP with IN a DT trial NN version NN of IN QuickBooks NP Pro NP , , is VBZ available JJ through IN BuilderBooks NP . SENT com NN . SENT From IN writing VVG payroll NN checks NNS to TO generating VVG up RP to TO date VV income NN statements NNS , , this DT book NN will MD help VV you PP get VV the DT maximum JJ benefit NN from IN your PP$ accounting NN system NN . SENT To TO view VV or CC purchase VV it PP online JJ , , click NN here RB or CC call VV 800 CD 223 CD 2665 CD to TO order VV . SENT Business NN management NN publications NNS available JJ at IN BuilderBooks NP . SENT com NN BuilderBooks NNS . SENT com NN also RB offers VVZ a DT variety NN of IN other JJ publications NNS about IN business NN management NN . SENT To TO view VV or CC purchase VV these DT publications NNS online JJ , , click NN here RB . SENT Want VV more JJR information NN about IN effectively RB managing VVG your PP$ business NN . SENT NAHB NP s PP Business NP Management NP Department NP offers VVZ a DT variety NN of IN online JJ resources NNS to TO help VV you PP run VV your PP$ business NN better RBR and CC more RBR profitably RB . SENT Click NP Business NP Management NP Tools NP for IN articles NNS about IN human JJ resources NNS , , financial JJ management NN , , sales NNS , , production NN , , technology NN , , customer NN service NN and CC other JJ business NN related VVN topics NNS . SENT In IN addition NN , , visit VV the DT NAHB NP Software NP Users NNS Network NP Discussion NN Forum NP SUN NN to TO ask VV technology NN consultants NNS and CC other JJ builders NNS what WP they PP think VVP of IN various JJ software NN packages NNS and CC applications NNS . SENT Subscribe VV to TO NAHB NP s PP Business NP of IN Building NP e SYM Source NP NAHB NP s PP Business NP of IN Building NP e SYM Source NN is VBZ your PP$ monthly JJ electronic JJ guide NN to TO the DT hot JJ issues NNS and CC emerging VVG trends NNS in IN home NN building NN business NN management NN . SENT You PP ll RB find VVP practical JJ advice NN , , tricks NNS of IN the DT trade NN and CC sound JJ business NN guidance NN all RB delivered VVN monthly JJ , , straight JJ to TO your PP$ desktop NN , , in IN a DT quick JJ and CC easy JJ to TO read VV format NN . SENT Business NN of IN Building NP e SYM Source NN is VBZ available JJ free RB to TO NAHB NP members NNS and CC their PP$ employees NNS . SENT To TO subscribe VV , , click NN here RB on IN the DT members NNS only RB side VVP of IN www NP . SENT nahb NN . SENT org NP . SENT University NP of IN Housing NP Offers NP Courses NNS on IN Customer NN Service NP and CC Business NP Management NP The NP NAHB NP University NP of IN Housing NP offers VVZ a DT course NN on IN business NN management NN designed VVN to TO help VV builders NNS improve VV their PP$ business NN and CC profitability NN . SENT For IN a DT list NN of IN current JJ offerings NNS , , click NN here RB . SENT Search NN keywords NNS . SENT Introduction NN to TO Business NP Management NP . SENT The DT NAHB NP University NP of IN Housing NP offers VVZ designation NN programs NNS for IN builders NNS and CC remodelers NNS interested VVN in IN improving VVG their PP$ productivity NN and CC profitability NN . SENT Click NN here RB for IN a DT list NN of IN NAHB NP designation NN programs NNS . SENT Make VV Your PP$ Connection NN With IN www NP . SENT nahb NN . SENT org NNS Make VVP your PP$ connection NN to TO the DT latest JJS housing NN industry NN news NN and CC information NN with IN www NP . SENT nahb NN . SENT org NP the DT official JJ public NN and CC members NNS only JJ Web NP site NN of IN NAHB NP . SENT Log VV in IN today NN to TO register VV for IN educational JJ seminars NNS , , meetings NNS and CC networking NN events NNS . SENT find VV important JJ economic JJ and CC housing NN data NNS . SENT and CC learn VV the DT latest JJS developments NNS in IN NAHB NP s PP efforts NNS to TO promote VV housing NN . SENT It PP s PP all RB available JJ to TO you PP 24 CD hours NNS a DT day NN at IN www NP . SENT nahb NN . SENT org NP . SENT Just RB click NN the DT Member NP Log NN In IN button NN to TO get VV started VVN . SENT If IN you PP are VBP a DT member NN and CC need NN information NN about IN NAHB NP products NNS and CC services NNS , , use VVP the DT NAHB NP Staff NP Contact NP Directory NN to TO look VV up RP the DT direct JJ telephone NN extensions NNS for IN NAHB NP staff NN experts NNS . SENT New NP Book NP Examines VVZ Changing VVG Role NN of IN Property NP Managers NP Multifamily JJ management NN used VVN to TO be VB collecting VVG the DT rent NN , , supervising VVG maintenance NN and CC repairs NNS and CC sometimes RB even RB mopping VVG the DT floors NNS , , according VVG to TO David NP Kuperberg NP and CC N NP . SENT Mike NP Patellis NP , , authors NNS of IN Residential JJ Property NP Management NP , , a DT new JJ book NN from IN BuilderBooks NP . SENT com NN . SENT These DT days NNS , , though RB , , say VVP the DT authors NNS , , each DT residential JJ property NN is VBZ like IN a DT branch NN office NN , , an DT independent JJ business NN center NN with IN . SENT . SENT . SENT goals NNS to TO meet VV . SENT That DT sort NN of IN enterprise NN needs VVZ a DT professional JJ manager NN , , one NN who WP s PP trained VVN to TO prepare VV a DT budget NN and CC understand VV legal JJ requirements NNS and CC responsibilities NNS . SENT And CC beyond IN that DT , , the DT manager NN needs VVZ communication NN skills NNS , , marketing VVG expertise NN and CC more JJR , , says VVZ Kuperberg NP , , himself PP a DT RAM NN Registered VVN in IN Apartment NN Management NP and CC a DT CPM NP Certified NP Property NP Manager NP . SENT The DT new JJ publication NN on IN property NN management NN will MD be VB the DT textbook NN for IN the DT revised VVN and CC updated VVN RAM NN course NN that WDT is VBZ being VBG piloted VVN this DT year NN , , according VVG to TO Patellis NP , , also RB a DT RAM NN and CC CPM NP . SENT With IN the DT information NN the DT two CD have VHP pulled VVN together RB , , students NNS will MD be VB able JJ to TO understand VV the DT important JJ issues NNS and CC develop VV strategies NNS to TO deal VV with IN them PP in IN a DT professional JJ manner NN . SENT But CC the DT book NN also RB was VBD designed VVN to TO serve VV as IN a DT reference NN for IN people NNS involved VVN in IN property NN management NN at IN every DT level NN , , from IN the DT site NN itself PP to TO the DT corporate JJ office NN . SENT There EX really RB aren NP t NN any DT comprehensive JJ property NN management NN guides NNS out IN there RB that DT focus NN only RB on IN residential JJ management NN , , says VVZ Patellis NP . SENT This DT is VBZ a DT reference NN you PP can MD consult VV whenever WRB a DT question NN arises VVZ . SENT It PP s PP indexed VVN , , it PP has VHZ a DT glossary NN and CC it PP s VVZ as RB complete VV as IN we PP could MD make VV it PP . SENT The DT new JJ book NN includes VVZ information NN on IN updated VVN approaches NNS to TO record VV keeping VVG and CC reporting VVG used VVN by IN firms NNS who WP must MD be VB accountable JJ not RB merely RB to TO syndicates NNS or CC shareholders NNS , , but CC to TO large JJ corporate JJ investors NNS . SENT It PP includes VVZ information NN on IN managing VVG condominium NN communities NNS and CC co NP ops NNS , , as RB well RB as IN now RB privatized VVN military JJ base NN housing NN . SENT It PP talks VVZ about RB higher JJR tech NN methods NNS of IN communication NN , , and CC when WRB to TO use VV them PP . SENT The DT authors NNS note VVP that IN in IN the DT RAM NN textbook NN they PP helped VVD write VV in IN 1987 CD , , they PP talked VVD about IN this DT new JJ thing NN computers NNS that WDT might MD transform VV the DT workplace NN . SENT In IN this DT edition NN , , computer NN use NN by IN professional JJ manager NN is VBZ a DT given VVN . SENT If IN you PP re IN not RB using VVG computers NNS , , you PP re IN not RB in IN this DT business NN . SENT The DT book NN also RB addresses VVZ the DT top JJ problem NN areas NNS the DT issues NNS that WDT , , if IN handled VVN badly RB , , can MD land VV a DT company NN in IN court NN or CC worse JJR . SENT Those DT include VVP . SENT Fair NP Housing NP Accessibility NN rule NN Americans NNS with IN Disabilities NP Act NP rules NNS Responding VVG to TO lead VV paint NN Responding VVG to TO mold NN Responding VVG to TO asbestos NN Hiring VVG practices NNS what WP you PP can MD and CC can MD t NN ask VV legally RB . SENT Patellis NP and CC Kuperberg NP appeared VVD at IN the DT International NP Builders NPS Show NP in IN Las NP Vegas NP last JJ month NN to TO answer VV questions NNS and CC to TO sign VV their PP$ new JJ book NN . SENT To TO order VV a DT copy NN , , click NN here RB . SENT 2004 CD NAHB NP Multifamily JJ Pillars NP of IN the DT Industry NP Conference NP Awards VVZ Gala NP Don NP t NN miss VVP the DT Multifamily JJ Pillars NP of IN the DT Industry NP Conference NP and CC Awards NNS Gala NP , , the DT premier JJ educational JJ and CC networking NN event NN of IN the DT year NN for IN the DT multifamily JJ industry NN , , in IN Palm NP Springs NP , , CA MD , , March NP 28 CD 30 CD . SENT Explore VV both CC the DT current JJ and CC future JJ state NN of IN the DT multifamily JJ industry NN . SENT Click NN here RB for IN more JJR information NN . SENT 2004 CD Multifamily JJ Finalists NNS for IN Pillars NP Awards NNS Announced VVD Finalists NNS for IN the DT 2004 CD Pillars NP of IN the DT Industry NN Awards NNS which WDT honor VVP excellence NN in IN development NN , , design NN , , marketing NN and CC management NN in IN the DT multifamily JJ housing NN industry NN were VBD announced VVN recently RB by IN NAHB NP . SENT The DT awards NNS program NN was VBD created VVN in IN 1990 CD to TO honor VV superior JJ achievement NN and CC leadership NN in IN the DT multifamily JJ industry NN and CC to TO promote VV the DT benefits NNS of IN apartment NN living NN . SENT These DT are VBP not RB your PP$ father NN s PP apartments NNS and CC condominiums NNS , , said VVD Jerry NP Howard NP , , executive JJ vice NN president NN and CC CEO NN of IN NAHB NP . SENT This DT year NN s PP Pillars NP program NN proves VVZ once RB again RB that IN today NN s PP multifamily RB communities NNS are VBP better RBR than IN ever RB and CC offer VV a DT wide JJ variety NN of IN great JJ lifestyle NN choices NNS to TO residents NNS . SENT Finalists NNS were VBD named VVN in IN 29 CD categories NNS , , including VVG Freddie NP Mac NP s PP Multifamily JJ Development NP Firm NN of IN the DT Year NP and CC Property NP Management NP Company NP of IN the DT Year NN . SENT Howard NP noted VVD a DT huge JJ jump NN this DT year NN in IN the DT number NN of IN entries NNS in IN the DT Best RBS Mixed JJ Use NP Community NP category NN , , reflecting VVG the DT growing VVG popularity NN of IN rental NN and CC condo NN homes NNS interwoven VVN into IN communities NNS with IN retail JJ as RB well RB as IN other JJ commercial JJ space NN . SENT These DT apartments NNS and CC condos NNS have VHP helped VVN revitalize VV urban JJ neighborhoods NNS across IN the DT country NN , , Howard NP said VVD . SENT Winners NNS will MD be VB announced VVN at IN a DT gala NN ceremony NN held VVN in IN conjunction NN with IN NAHB NP Multifamily JJ s PP Pillars NP of IN the DT Industry NP Conference NP , , March NP 29 CD , , at IN the DT La NP Quinta NP Resort NP Spa NN in IN Palm NP Springs NP , , CA MD . SENT For IN the DT first JJ time NN , , NAHB NP will MD present VV a DT Pillars NP Award NN for IN Multifamily JJ Community NN of IN the DT Year NN , , selected VVN from IN among IN the DT winners NNS in IN all PDT the DT builder NN award NN categories NNS . SENT Freddie NP Mac NP , , one CD of IN the DT nation NN s VVZ largest JJS investors NNS in IN multifamily JJ housing NN , , will MD sponsor VV the DT 2004 CD Pillars NP of IN the DT Industry NP Gala NP . SENT Freddie NP Mac NP is VBZ committed VVN to TO developing VVG new JJ products NNS and CC processes VVZ to TO keep VV down RP the DT cost NN of IN rental JJ housing NN while IN providing VVG superior JJ service NN and CC innovation NN . SENT For IN a DT list NN of IN finalists NNS , , click NN here RB . SENT Deadline NN Nears VVZ for IN Building NP With IN Trees NP Awards NNS of IN Excellence NN Competition NP Conservation NP minded VVD builders NNS and CC developers NNS are VBP invited VVN to TO enter VV the DT 2004 CD Building NN With IN Trees NP Awards NNS of IN Excellence NN competition NN , , sponsored VVN by IN The DT National NP Arbor NP Day NP Foundation NP in IN cooperation NN with IN NAHB NP and CC Firewise NP Communities NNS . SENT The DT deadline NN for IN entries NNS is VBZ Feb NN . SENT 15 CD . SENT The DT Awards NNS of IN Excellence NN competition NN is VBZ part NN of IN the DT Building NN With IN Trees NP Recognition NP program NN , , which WDT was VBD created VVN in IN 1998 CD to TO recognize VV builders NNS and CC developers NNS who WP save VVP trees NNS during IN construction NN and CC land NN development NN . SENT Residential JJ , , commercial JJ , , retail JJ , , industrial JJ , , public JJ and CC mixed JJ use NN projects NNS of IN all DT sizes NNS are VBP eligible JJ . SENT Only RB completed VVN developments NNS can MD be VB entered VVN , , with IN projects NNS of IN 200 CD units NNS or CC more RBR considered VVN complete JJ if IN at IN least JJS 75 CD of IN the DT homes NNS have VHP been VBN built VVN . SENT Judging VVG criteria NNS include VVP creativity NN in IN , , and CC attention NN to TO , , protecting VVG and CC planting VVG trees NNS during IN planning NN , , design NN and CC construction NN and CC in IN providing VVG for IN long JJ term NN tree NN care NN . SENT commitment NN to TO tree NN protection NN by IN having VHG a DT tree NN professional JJ on IN the DT development NN team NN . SENT inventorying VVG existing JJ trees NNS and CC using VVG that DT information NN to TO preserve VV trees NNS . SENT and CC communication NN of IN , , and CC adherence NN to TO , , tree NN protection NN goals NNS throughout IN construction NN . SENT Awards NNS will MD be VB presented VVN at IN the DT Arbor NP Day NP Foundation NP s PP national JJ Building NN With IN Trees NP Conference NP in IN September NP . SENT Award NN winning VVG projects NNS will MD also RB be VB recognized VVN on IN the DT foundation's JJ Web NP site NN and CC in IN national JJ publications NNS . SENT For IN entry NN information NN , , click NN here RB or CC contact VV the DT Foundation's NP Building NP With IN Trees NP program NN director NN at IN 402 CD 474 CD 5655 CD . SENT 2004 CD National NP Green NP Building NP Conference NP The NP National NP Green NP Building NP Conference NP , , March NP 14 CD 16 CD in IN Austin NP , , TX NP , , explores VVZ cutting VVG edge NN building NN technologies NNS and CC looks VVZ at IN the DT future NN of IN green JJ building NN in IN America NP . SENT The DT conference NN includes VVZ education NN and CC networking NN opportunities NNS and CC explores VVZ why WRB a DT growing VVG number NN of IN home NN builders NNS are VBP going VVG green JJ by IN making VVG cost NN effective JJ business NN decisions NNS that WDT also RB help VV the DT environment NN . SENT Click NN here RB for IN more JJR information NN . SENT Action NP Kit NP Promotes VVZ Adoption NN of IN the DT International NP Residential JJ Code NP With IN the DT International NP Residential JJ Code NP IRC NP now RB ready JJ for IN adoption NN at IN the DT state NN and CC local JJ level NN , , NAHB NP has VHZ developed VVN an DT IRC NP Action NP Kit NP to TO help VV HBA NP leaders NNS across IN the DT country NN educate VV building VVG department NN officials NNS on IN the DT benefits NNS and CC practicality NN of IN adopting VVG this DT code NN . SENT Developed VVN with IN input NN from IN NAHB NP members NNS , , the DT IRC NP specifically RB highlights VVZ affordability NN in IN its PP$ purpose NN statement NN . SENT The DT code NN pertains VVZ to TO the DT construction NN of IN one CD and CC two CD family NN dwellings NNS and CC townhomes NNS that WDT are VBP no RB more JJR than IN three CD stories NNS . SENT As IN a DT stand VVP alone RB code VV , , it PP covers VVZ all DT facets NNS of IN home NN construction NN , , which WDT means VVZ that DT builders NNS don VV t NN need VVP to TO be VB concerned VVN with IN meeting VVG multiple JJ code NN requirements NNS . SENT During IN an DT educational JJ seminar NN at IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP , , Joseph NP Knarich NP , , an DT NAHB NP construction NN , , codes NNS and CC standards NNS specialist NN , , said VVD that IN the DT kit NN lays VVZ out RP how WRB the DT IRC NP compares VVZ favorably RB with IN other JJ model NN building NN codes NNS . SENT Over IN 60 CD of IN the DT Council NP of IN American NP Building NP Officials NP CABO NP One CD and CC Two CD Family NP Dwelling NN Code NP is VBZ incorporated VVN unchanged JJ in IN the DT IRC NP , , he PP said VVD . SENT This DT makes VVZ the DT IRC NP very JJ builder NN friendly JJ . SENT Furthermore RB , , NAHB NP worked VVD diligently RB to TO ensure VV that IN the DT concept NN of IN affordability NN is VBZ included VVN in IN the DT IRC NP and CC helped VVD to TO craft VV many JJ favorable JJ code NN changes NNS for IN builders NNS . SENT To TO persuade VV local JJ jurisdictions NNS to TO adapt VV the DT IRC NP , , Knarich NP urged VVD HBAs NP to TO follow VV the DT kit NN s PP guidelines NNS , , which WDT provide VVP tips NNS on IN developing VVG lobbying NN and CC grassroots NNS strategies NNS , , establishing VVG community NN support NN , , orchestrating VVG public JJ hearings NNS , , communicating VVG the DT findings NNS to TO the DT public NN and CC cooperating VVG with IN local JJ decision NN makers NNS . SENT Paul NP Armstrong NP , , the DT vice NN president NN of IN architectural JJ engineering NN services NNS for IN the DT International NP Codes NNS Council NP , , reiterated VVD the DT advantages NNS of IN the DT IRC NP . SENT This DT is VBZ the DT only RB prescriptive JJ code NN that WDT is VBZ now RB available JJ , , it PP contains VVZ the DT latest JJS natural JJ hazard NN mitigation NN construction NN techniques NNS , , covers VVZ all DT aspects NNS of IN home NN construction NN and CC is VBZ a DT well RB balanced JJ code NN that WDT was VBD developed VVN with IN the DT help NN of IN engineers NNS , , builders NNS , , code NN officials NNS and CC other JJ interested JJ parties NNS , , Armstrong NP said VVD . SENT Local JJ HBAs NNS interested VVN in IN obtaining VVG NAHB NP s PP IRC NP Action NP Kit NP should MD e NN mail NN Joseph NP Knarich NP or CC call VV him PP at IN 800 CD 368 CD 5242 CD x SYM 8366 CD . SENT Builders NPS Report NP Progress NP on IN Zero NP Energy NP Homes NPS New NP technological JJ advances NNS are VBP enabling VVG more JJR builders NNS across IN the DT country NN to TO design VV and CC construct VV Zero NP Energy NP Homes NPS ZEH NP , , which WDT use VVP efficient JJ design NN and CC renewable JJ energy NN to TO produce VV as IN much JJ energy NN as IN they PP consume VVP annually RB . SENT During IN an DT educational JJ seminar NN at IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP , , four CD builders NNS shared VVD their PP$ experiences NNS working VVG on IN these DT cutting VVG edge NN homes NNS . SENT Centex NP Homes NP recently RB completed VVD its PP$ first JJ ZEH NP home NN in IN Livermore NP , , CA MD . SENT According VVG to TO project VV manager NN Jeff NP Jacobs NP , , making VVG such PDT a DT venture NN a DT success NN requires VVZ support NN from IN management NN , , manufacturers NNS , , suppliers NNS and CC subcontractors NNS . SENT Our PP$ home NN used VVD solar JJ water NN heating NN and CC photovoltaic JJ cells NNS and CC was VBD developed VVN using VVG standard JJ construction NN techniques NNS , , said VVD Jacobs NP . SENT Our PP$ process NN consisted VVD of IN selecting VVG the DT right JJ home NN , , one CD with IN the DT necessary JJ attic NN and CC roof NN space NN for IN solar JJ panels NNS . SENT We PP added VVD two CD large JJ gable NN vents VVZ to TO bring VV in IN nighttime NN air NN in IN the DT evening NN . SENT The DT system NN , , developed VVN in IN conjunction NN with IN our PP$ subcontractors NNS and CC field NN managers NNS , , nearly RB eliminated VVD the DT need NN for IN compressor NN cooling VVG in IN the DT summer NN . SENT The DT single JJ story NN prototype NN home NN is VBZ wired VVN so RB that IN all DT systems NNS can MD be VB monitored VVN and CC includes VVZ more JJR than IN 50 CD sensors NNS to TO provide VV data NNS for IN a DT cost NN benefit NN analysis NN . SENT The DT photovoltaic JJ system NN produced VVD 102 CD of IN the DT home's JJ electrical JJ needs NNS . SENT However RB , , Jacobs NP acknowledged VVD that IN not RB all DT of IN the DT home's JJ technological JJ innovations NNS were VBD cost VVN effective JJ , , and CC he PP called VVD for IN continued JJ government NN funding NN to TO encourage VV new JJ breakthroughs NNS . SENT Combining VVG renewable JJ energy NN and CC solar JJ energy NN with IN highly RB energy NN efficient JJ products NNS , , Robb NP Aldrich NP , , an DT engineer NN with IN Steven NP Winter NP Associates NPS in IN Norwalk NP , , CT NP , , designed VVD a DT modular JJ ZEH NP home NN in IN New NP York NP City NP . SENT Site NN and CC orientation NN have VHP a DT definite JJ impact NN on IN energy NN production NN , , he PP said VVD , , noting VVG that IN a DT typical JJ home NN that WDT is VBZ oriented VVN from IN north NN to TO south NN consumes VVZ far RB less JJR energy NN for IN heating VVG and CC cooling VVG indoor JJ air NN than IN the DT same JJ home NN turned VVN at IN a DT 90 CD degree NN angle NN . SENT Aldrich NP said VVD that IN solar JJ panels NNS on IN an DT affordable JJ home NN geared VVN to TO buyers NNS earning VVG 80 CD of IN the DT area NN median JJ income NN cut VVD the DT average JJ monthly JJ electricity NN cost NN from IN 66 CD to TO 26 CD . SENT In IN Las NP Vegas NP , , Pardee NP Homes NPS recently RB constructed VVN a DT 5 CD , , 300 CD square JJ foot NN ZEH NP home NN , , equipping VVG it PP with IN a DT solar JJ water NN heating NN system NN , , photovoltaic JJ systems NNS , , fluorescent JJ halogen NN lighting NN , , insulation NN in IN the DT ducts NNS , , a DT highly RB efficient JJ air NN conditioning NN system NN , , Pella NP windows NNS and CC insulation NN close NN to TO R NP 40 CD as RB opposed VVN to TO R NP 21 CD normally RB used VVN . SENT This DT home NN s PP owners NNS are VBP extremely RB proud JJ of IN their PP$ ZEH NP status NN , , said VVD Rob NP Hammon NP , , principal NN of IN ConSol NP , , an DT energy NN consulting NN firm NN based VVN in IN Stockton NP , , CA MD . SENT In IN order NN to TO further RBR advance VV the DT technology NN , , Hammon NP added VVD that DT new JJ research NN is VBZ needed VVN to TO integrate VV solar JJ energy NN into IN homes NNS and CC to TO bring VV costs NNS down RB . SENT In IN Tucson NP , , John NP Wesley NP Miller NP Companies NPS ZEH NP home NN which WDT is VBZ part NN of IN a DT 100 CD home NN infill NN development NN utilizes VVZ solar JJ photovoltaic JJ and CC water NN heating NN technology NN . SENT The DT heating NN and CC cooling VVG bill NN for IN our PP$ typical JJ 2 CD , , 000 CD square JJ foot NN home NN is VBZ less JJR than IN 90 CD cents NNS per IN day NN , , said VVD Miller NP . SENT On IN hot JJ days NNS , , the DT home NN owners NNS really RB get VVP a DT kick NN out RP of IN watching VVG their PP$ electric JJ meter NN run VVN backwards RB . SENT In IN order NN for IN ZEH NP to TO take VV hold NN in IN the DT marketplace NN , , the DT panelists NNS said VVD . SENT More JJR research NN and CC development NN is VBZ needed VVN . SENT Federal JJ support NN for IN the DT initiative NN must MD continue VV . SENT The DT pending VVG congressional JJ energy NN bill NN that WDT includes VVZ builder NN and CC consumer NN incentives NNS should MD be VB passed VVN . SENT Training NN and CC education NN should MD be VB expanded VVN . SENT Sound JJ cost NN benefit NN analysis NN must MD be VB developed VVN . SENT PATH NN Unveils VVZ Home NP Building NP s PP Top NP 10 CD Advanced NP Technologies NPS The DT top JJ 10 CD new JJ technologies NNS that WDT are VBP ready JJ to TO be VB used VVN in IN the DT housing NN industry NN were VBD announced VVN by IN the DT Partnership NP for IN Advancing VVG Technology NP in IN Housing NP PATH NN at IN the DT NextGen NP 04 CD house NN that WDT was VBD built VVN in IN conjunction NN with IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP . SENT On IN the DT edge NN of IN industry NN acceptance NN , , the DT technologies NNS are VBP proven JJ , , practical JJ , , easy JJ to TO use VV and CC quickly RB drawing VVG interest NN as IN builders NNS experience VVP the DT benefits NNS of IN using VVG them PP , , PATH NN said VVD . SENT The DT top JJ 10 CD technologies NNS hold VVP the DT most JJS promise NN for IN improving VVG the DT quality NN and CC affordability NN of IN our PP$ homes NNS , , said VVD General NP Deputy NP Assistant NP Secretary NP Darlene NP F NP . SENT Williams NP of IN HUD NP s PP Office NP of IN Policy NP Development NP and CC Research NP . SENT These DT technologies NNS are VBP ready JJ now RB and CC they PP can MD perform VV in IN the DT houses NNS that IN we PP build VVP tomorrow NN . SENT The DT Top JJ 10 CD Technologies NPS named VVN by IN PATH NN are VBP . SENT Frost NP Protected VVD Shallow NP Foundations NNS Air NP Admittance NN Valves NNS Home NP Run NN Plumbing NN Systems NP Low NP Impact NP Development NP Engineered JJ Panelized NP Systems NPS HVAC NP Optimization NP Optimum JJ Steel NP Wood NP Combination NN Framing NN Tankless JJ Water NP Heaters NNS Shared VVD Wastewater NP Treatment NP Systems NPS Pre NP cast VVD Concrete JJ Panels NNS Technologies NP profiled VVN by IN PATH NN are VBP selected VVN for IN their PP$ strength NN in IN one CD or CC more JJR of IN the DT following VVG areas NNS . SENT quality NN and CC durability NN . SENT energy NN efficiency NN . SENT environmental JJ performance NN . SENT safety NN and CC disaster NN mitigation NN . SENT and CC affordability NN . SENT For IN more JJR information NN on IN each DT of IN the DT top JJ 10 CD technologies NNS , , click NN here RB . SENT Kitchens NP Now RB the DT Focal JJ Point NP of IN Household NN Activity NP Kitchens NP have VHP come VVN out RP of IN the DT closet NN and CC are VBP now RB the DT hub NN of IN family NN activity NN . SENT That DT was VBD the DT consensus NN of IN the DT four CD architects NNS and CC designers NNS who WP hosted VVD an DT educational JJ session NN , , Kitchen NP Design NP . SENT Trends NNS Tools NP for IN Today NP s PP Kitchens NP , , at IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP . SENT Not RB only RB have VHP kitchens NNS increased VVN as IN their PP$ household NN role NN has VHZ expanded VVN , , they PP are VBP now RB designed VVN to TO be VB more RBR flexible JJ in IN order NN to TO accommodate VV the DT different JJ heights NNS , , ages NNS and CC numbers NNS of IN cooks NNS in IN the DT kitchen NN at IN the DT same JJ time NN . SENT They PP are VBP also RB more RBR open JJ , , inviting VVG and CC convenient JJ , , more RBR centrally RB located VVN and CC more RBR diversely RB decorated VVN . SENT More JJR Room NP for IN Socializing VVG The DT kitchen NN has VHZ become VVN the DT Grand NP Central NP Station NP of IN family NN life NN , , said VVD John NP DiNisio NP , , the DT creative JJ director NN at IN Feinberg NP Associates NPS Architects NPS of IN Gibbsboro NP , , NJ NP . SENT They PP must MD be VB placed VVN where WRB the DT cook NN can MD be VB included VVN in IN the DT family NN s PP activities NNS and CC be VB able JJ to TO keep VV tabs NNS on IN what WP s PP going VVG on IN both DT inside JJ and CC out RB of IN the DT home NN . SENT No DT longer JJR your PP$ grandmother NN s NN kitchen NN , , which WDT usually RB was VBD isolated VVN from IN the DT rest NN of IN the DT house NN , , and CC where WRB meals NNS were VBD prepared VVN from IN scratch NN and CC the DT only JJ bow NN to TO style NN was VBD a DT pair NN of IN cheery JJ curtains NNS and CC some DT pretty JJ canisters NNS , , DiNisio NP said VVD kitchens NNS today NN are VBP usually RB open JJ to TO the DT family NN room NN , , have VHP a DT wide JJ view NN of IN the DT outdoors RB and CC are VBP filled VVN with IN lots NNS of IN natural JJ light NN . SENT Kitchens NP today NN are VBP much RB larger JJR , , he PP said VVD . SENT Food NN preparation NN has VHZ become VVN a DT social JJ activity NN that WDT involves VVZ several JJ members NNS of IN the DT family NN . SENT He PP also RB said VVD that IN many JJ people NNS who WP like VVP to TO entertain VV at IN home NN insist VVP on IN having VHG a DT party NN kitchen NN , , one CD large JJ enough NN to TO prepare VV meals NNS , , serve VV guests NNS and CC be VB conducive JJ to TO mingling VVG . SENT Consumers NNS are VBP demanding VVG more RBR architectural JJ interest NN , , DiNisio NP said VVD , , and CC this DT is VBZ being VBG satisfied VVN by IN a DT trend NN toward IN higher JJR ceilings NNS . SENT decorative JJ beams NNS and CC moldings NNS . SENT large JJ , , unusual JJ shaped JJ windows NNS . SENT and CC ornate JJ cabinetry NN . SENT The DT higher JJR ceilings NNS , , he PP said VVD , , allow VVP for IN taller JJR cabinetry NN , , make VV the DT rooms NNS look VVP taller JJR and CC add VV storage NN space NN . SENT Even RB smaller JJR kitchens NNS are VBP incorporating VVG many JJ of IN the DT same JJ characteristics NNS as IN their PP$ larger JJR counterparts NNS , , DiNisio NP noted VVD . SENT He PP suggested VVD that IN smaller JJR kitchens NNS be VB located VVN on IN an DT outside JJ wall NN so IN they PP can MD take VV advantage NN of IN natural JJ light NN . SENT Locating VVG smaller JJR kitchens NNS there RB also RB gives VVZ architects NNS and CC home NN builders NNS an DT opportunity NN to TO include VV cathedral NN ceilings NNS and CC outside JJ windows NNS to TO make VV a DT narrow JJ space NN more RBR open JJ , , he PP added VVD . SENT Clever JJ Conveniences NNS and CC Attitude NN Inside IN today NN s PP kitchen NN you PP can MD now RB find VV multiple JJ sinks NNS , , multiple JJ ovens NNS , , oversized JJ or CC tabletop NN dishwashers NNS , , combination NN microwave NN toaster NN ovens NNS and CC even RB the DT return NN of IN dumbwaiters NNS , , said VVD Mary NP Jo NP Peterson NP , , president NN of IN the DT design NN firm NN Mary NP Jo NP Peterson NP , , Inc NP . SENT , , of IN Brookfield NP , , CT NP . SENT Home NN owners NNS , , she PP said VVD , , are VBP seeking VVG convenience NN , , and CC appliance NN manufacturers NNS are VBP supplying VVG it PP . SENT The DT story NN about IN sinks NNS is VBZ bigger JJR , , deeper RBR and CC more RBR , , Peterson NP said VVD . SENT Not RB only RB that IN , , they PP are VBP being VBG supplied VVN in IN a DT variety NN of IN surfaces VVZ , , including VVG stainless JJ steel NN , , still RB the DT number NN one CD preference NN , , but CC also RB copper NN , , bronze NN , , a DT variety NN of IN stones NNS , , solid RB surfaces VVZ and CC enamels VVZ . SENT The DT sink NN is VBZ an DT opportunity NN to TO make VV a DT statement NN , , she PP said VVD . SENT With IN convenience NN a DT primary JJ factor NN in IN kitchen NN and CC appliance NN design NN , , manufacturers NNS are VBP responding VVG with IN appliances NNS that WDT can MD handle VV the DT increased JJ amount NN of IN activity NN in IN today NN s PP kitchens NNS . SENT Freezers NNS , , refrigerators NNS and CC dishwashers NNS now RB come VVP with IN drawers NNS . SENT There EX are VBP microwave NN ovens NNS combined VVN with IN coffee NN makers NNS , , larger JJR refrigerators NNS , , multiple JJ but CC not RB stacked VVN ovens NNS , , dishwashers NNS are VBP raised VVN , , as RB are VBP washers NNS for IN clothes NNS . SENT People NNS don VV t NN want VVP to TO bend VV anymore RB , , Peterson NP said VVD . SENT With IN the DT appliances NNS , , it PP s VVZ all DT about IN the DT details NNS . SENT To TO make VV the DT whole JJ kitchen NN more RBR convenient JJ , , storage NN is VBZ finding VVG its PP$ way NN into IN backsplashes NNS , , toe NN kicks NNS are VBP getting VVG larger JJR , , up RB to TO nine CD inches NNS tall JJ , , open JJ shelving NN and CC walk VV in IN pantries NNS are VBP more RBR prevalent JJ and CC dumbwaiters NNS are VBP returning VVG and CC giving VVG home NN owners NNS access NN to TO storage NN in IN another DT part NN of IN the DT home NN . SENT The DT reason NN for IN all PDT these DT changes NNS . SENT We PP ve VVZ given VVN up RP kitchen NN walls NNS to TO windows NNS , , so RB we PP don VV t NN have VHP tall JJ spaces NNS anymore RB , , said VVD Peterson NP . SENT Kitchen NN d SYM cor NP now RB includes VVZ attitude NN , , she PP added VVD . SENT Materials NNS include VVP granite NN , , marble NN , , metals NNS , , even RB concrete JJ . SENT Countertops NNS have VHP new JJ edge NN treatments NNS , , which WDT all RB can MD be VB incorporated VVN within IN the DT three CD major JJ design NN trends NNS for IN kitchens NNS Traditional NP , , which WDT includes VVZ lots NNS of IN cherry NN and CC a DT country NN flair NN . SENT Organic NP Contemporary NP , , which WDT has VHZ hints NNS of IN Shaker NP , , sculptural JJ lighting NN and CC simple JJ , , natural JJ flair NN . SENT and CC Old NP World NP , , which WDT incorporates VVZ rich JJ woods NNS and CC hardware NN , , and CC small JJ niches NNS , , and CC can MD include VV European JJ cottage NN design NN . SENT Warm JJ , , Frantic JJ and CC Comforting JJ According VVG to TO Barbara NP Anderson NP , , owner NN of IN Preferred JJ Designs NNS , , Inc NP . SENT of IN Kennett NP Square NP , , PA NN , , today NN s NN kitchen NN is VBZ defined VVN by IN the DT family NN that IN it PP embraces VVZ . SENT There EX can MD be VB a DT special JJ workspace NN for IN mom NN that WDT includes VVZ a DT woven VVN chair NN and CC office NN desk NN area NN . SENT Kitchen NN islands NNS are VBP doubling VVG as IN eating VVG areas NNS . SENT Called VVN conversation NN islands NNS , , they PP are VBP configured VVN so IN family NN members NNS or CC guests NNS can MD sit VV around RP the DT island NN rather RB than IN in IN a DT straight JJ line NN . SENT Oversized JJ islands NNS with IN a DT European JJ look NN known VVN as IN harvest NN islands NNS also RB are VBP finding VVG their PP$ way NN into IN larger JJR kitchens NNS . SENT Regarding VVG design NN , , painted VVN and CC glazed VVN cabinets NNS are VBP becoming VVG popular JJ , , according VVG to TO Anderson NP . SENT Hot JJ color NN choices NNS for IN 2004 CD include VVP celery NN green NN , , creamery NN yellow NN and CC pantry NN white NN . SENT Stainless JJ and CC black JJ remain VVP the DT top JJ two CD choices NNS for IN appliances NNS and CC dark JJ wood NN toned VVN cabinets NNS remain VVP popular JJ , , she PP reported VVD . SENT Lighting NP is VBZ increasingly RB becoming VVG more RBR important JJ in IN kitchen NN design NN , , Anderson NP said VVD . SENT Chandeliers NNS and CC accent NN lighting NN are VBP becoming VVG part NN of IN the NP d SYM cor NP . SENT Cooking NN grottos NNS and CC decorative JJ range NN hoods NNS are VBP becoming VVG popular JJ , , she PP said VVD , , as IN it PP the DT mantle NN look NN with IN decorative JJ corbels NNS and CC raised VVN panels NNS . SENT Stucco NN and CC the DT use NN of IN other JJ outside JJ materials NNS are VBP coming VVG into IN the DT kitchen NN , , Anderson NP said VVD . SENT She PP also RB noted VVD that IN cabinet NN embellishments NNS including VVG seeded VVN or CC antique JJ glass NN , , edge NN and CC dart NN moldings NNS , , beadboard NN inserts NNS in IN doors NNS and CC turned VVN or CC rope NN fluting NN are VBP becoming VVG more RBR popular JJ . SENT Bathroom NN Designers NNS Putting VVG the DT Emphasis NN on IN Relaxation NN and CC Function NN While IN many JJ view NN the DT home NN entertainment NN center NN as IN the DT key JJ place NN in IN the DT house NN for IN home NN owners NNS to TO kick VV back RB and CC unwind VV , , leading VVG bath NN designers NNS at IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP told VVD convention NN goers NNS that IN there EX is VBZ another DT contender NN for IN that DT distinction NN that WDT is VBZ drawing VVG increasing VVG attention NN from IN home NN builders NNS and CC buyers NNS alike RB . SENT Our PP$ bathrooms NNS represent VVP the DT last JJ vestige NN of IN private JJ relaxation NN , , said VVD Elizabeth NP Falconer NP , , MIRM NP , , president NN of IN Position NN by IN Design NP , , a DT leading JJ design NN firm NN based VVN in IN Fort NP Worth NP , , TX NP . SENT Falconer NP added VVD that DT today NN s PP consumer NN expects VVZ warmth NN , , comfort NN , , convenience NN and CC luxury NN in IN bathrooms NNS at IN every DT price NN point NN . SENT In IN luxury NN homes NNS , , the DT definite JJ trend NN is VBZ towards IN his PP$ and CC her PP$ bathrooms NNS , , she PP said VVD . SENT We PP are VBP going VVG to TO see VV more JJR and CC more JJR degrees NNS of IN separation NN as IN baby NN boomers NNS get VVP older JJR . SENT Expounding VVG on IN this DT trend NN , , Wayne NP Berenbaum NP , , a DT practicing VVG architect NN for IN 30 CD years NNS and CC owner NN of IN The DT Wayne NP Architectural JJ Group NP based VVN in IN Boca NP Raton NP , , FL NP , , noted VVD that DT bathrooms NNS can MD be VB functional JJ and CC exciting JJ at IN any DT price NN and CC size NN . SENT Baths NNS tend VVP to TO be VB bigger JJR and CC geared VVN to TO relaxation NN as RB well RB as IN efficiency NN , , he PP said VVD . SENT Showers NNS are VBP becoming VVG larger JJR , , with IN multiple NN shower VV heads NNS , , and CC we PP are VBP going VVG from IN separate JJ vanities NNS to TO his PP$ and CC her PP$ master NN baths NNS that WDT are VBP virtually RB separated VVN by IN a DT tub NN in IN the DT middle NN and CC a DT shower NN in IN the DT center NN . SENT Another DT trend NN is VBZ to TO use VV furniture NN for IN vanities NNS instead RB of IN pedestal NN sinks NNS and CC cabinets NNS , , Berenbaum NP added VVD . SENT Falconer NP noted VVD that DT cost NN effective JJ design NN measures NNS that WDT add VVP pizzazz NN include VVP granite NN tiles NNS , , a DT mirror NN placed VVN atop IN another DT mirror NN on IN the DT medicine NN cabinet NN and CC glass NN block NN partitioning VVG between IN the DT bath NN and CC the DT toilet NN . SENT In IN high JJ end NN homes NNS , , he PP said VVD that IN it PP is VBZ becoming VVG increasingly RB popular JJ to TO place VV less JJR furniture NN in IN the DT master NN baths NNS and CC to TO use VV the DT closet NN bath NN areas NNS as IN a DT storage NN space NN . SENT Microwaves NNS and CC warming NN drawers NNS are VBP also RB being VBG used VVN to TO heat VV up RP towels NNS . SENT With IN millions NNS of IN the DT baby NN boomer NN population NN entering VVG their PP$ 50 CD s NN , , Glen NP Boudreaux NP , , owner NN of IN the DT Dallas NP interior JJ design NN firm NN Glen NP Boudreaux NP Associates NPS , , said VVD more JJR consumers NNS are VBP seeking VVG universal JJ designs NNS for IN their PP$ bathrooms NNS that WDT are VBP attuned VVN to TO health NN , , safety NN and CC welfare NN issues NNS . SENT Examples NNS include VVP doorways NNS that WDT are VBP at IN least JJS three CD feet NNS wide JJ , , lever NN handles VVZ in IN place NN of IN knobs NNS , , tiles NNS with IN mats NNS or CC slight JJ textures NNS on IN the DT flooring NN , , grab VV bars NNS that WDT look VVP like IN towel NN racks NNS , , adjustable JJ shower NN heads NNS on IN vertical JJ bars NNS and CC roll NN in IN showers NNS with IN seats NNS . SENT These DT designs NNS don VV t NN have VHP to TO be VB ugly JJ or CC institutional JJ . SENT And CC they PP don VV t NN cost VV a DT lot NN of IN money NN , , he PP said VVD . SENT Boudreaux NP added VVD that IN they PP are VBP good JJ for IN buyers NNS of IN all DT ages NNS and CC promote VV functionality NN , , ease VV of IN mobility NN and CC a DT safer JJR environment NN . SENT Architects NNS Suggest VVP Strategies NNS for IN Competing VVG With IN Large JJ Volume NN Builders NNS When WRB it PP comes VVZ to TO home NN building NN firms NNS , , bigger JJR doesn NN t NN necessarily RB mean VV better RBR . SENT That DT was VBD the DT message NN delivered VVN during IN an DT educational JJ seminar NN at IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP that WDT focused VVD on IN strategies NNS for IN small JJ to TO medium JJ volume NN builders NNS to TO compete VV with IN major JJ developers NNS . SENT The DT first JJ rule NN of IN thumb NN . SENT If IN you PP don VV t NN know VV your PP$ competition NN , , you PP can MD t NN beat NN em NN , , said VVD Quincy NP Johnson NP , , MIRM NP , , president NN and CC CEO NN of IN Quincy NP Johnson NP Architects NPS , , an DT award NN winning VVG architectural JJ firm NN based VVN in IN Boca NP Raton NP , , FL NP . SENT Noting VVG that IN large JJ companies NNS often RB employ VVP standardized JJ floor NN plans NNS and CC lack NN flexibility NN to TO adapt VV quickly RB to TO market NN demand NN , , Johnson NP suggested VVD that DT builders NNS should MD offer VV dynamic JJ design NN plans NNS that WDT stand VVP out RP from IN the DT competition NN . SENT He PP outlined VVD these DT examples NNS . SENT Light JJ and CC airy JJ designs NNS Defined VVD foyers NNS with IN class NN and CC style NN Curved VVD walls NNS , , ceiling NN detail NN and CC mood NN lighting VVG Long JJ indoor JJ outdoor JJ views NNS from IN the DT foyer NN Islands NPS , , desks NNS and CC butler NN s PP pantry NN in IN all DT kitchens NNS Dens NNS should MD be VB convertible JJ to TO bedrooms NNS with IN baths NNS Defined VVD sitting VVG area NN in IN all DT master NN baths NNS oversized JJ closets NNS Split NP two CD car NN garage NN so RB that IN one CD bay NN has VHZ the DT option NN to TO be VB used VVN as IN an DT office NN Echoing VVG Johnson NP , , Mike NP Rosen NP , , president NN and CC CEO NN of IN Philadelphia NP based VVN Mike NP Rosen NP Architects NPS , , said VVD it PP is VBZ important JJ to TO know VV thy JJR enemy NN . SENT Know VV who WP you PP are VBP competing VVG against IN , , and CC try VVP to TO find VV vulnerabilities NNS that IN you PP can MD latch VV on IN to TO and CC take VV advantage NN of IN . SENT Many JJ large JJ firms NNS employ VVP a DT cumbersome JJ chain NN of IN command NN , , he PP said VVD , , and CC smaller JJR companies NNS can MD take VV advantage NN of IN this DT to TO act VV quickly RB and CC decisively RB to TO enact VV changes NNS that WDT will MD benefit VV their PP$ market NN . SENT With IN many JJ large JJ , , in IN house NN corporate JJ designers NNS , , you PP frequently RB get VVP a DT bunch NN of IN yes UH men NNS who WP get VVP stale JJ after IN a DT while NN . SENT They PP tend VVP to TO be VB followers NNS , , not RB leaders NNS . SENT You PP can MD bring VV in IN new JJ technologies NNS and CC concepts NNS much RB quicker RBR . SENT Experiment NN with IN buyers NNS to TO see VV what WP they PP like VVP . SENT Big JJ firms NNS can MD t NN do VVP that IN , , said VVD Rosen NP . SENT Rosen NP also RB noted VVD that IN large JJ builders NNS are VBP not RB always RB quick JJ to TO act VV in IN meeting NN customer NN needs VVZ , , and CC suggested VVD this DT is VBZ an DT area NN for IN their PP$ smaller JJR competitors NNS to TO take VV advantage NN of IN . SENT It PP is VBZ much RB better JJR for IN a DT small JJ builder NN to TO take VV care NN of IN several JJ customer NN problems NNS quickly RB rather RB than IN have VHP customers NNS wait VV forever RB for IN a DT big JJ builder NN to TO take VV care NN of IN one CD problem NN , , he PP said VVD . SENT On IN the DT issue NN of IN service NN , , Barbara NP Anderson NP , , president NN of IN Preferred JJ Designs NNS in IN Kennett NP Square NP , , PA NN , , said VVD that IN the DT personal JJ touch NN can MD go VV a DT long JJ way NN in IN landing VVG a DT sale NN . SENT Be VB you PP , , be VB seen VVN , , you PP re IN the DT most RBS valuable JJ asset NN , , she PP told VVD builders NNS . SENT Go VV on IN site NN , , introduce VV yourself PP , , shake VV a DT few JJ hands NNS and CC be VB proud JJ of IN who WP you PP are VBP and CC what WP you PP build VVP . SENT Emphasizing VVG that DT quality NN sells VVZ , , Anderson NP said VVD that IN it PP is VBZ imperative JJ to TO keep VV a DT clean JJ job NN site NN and CC that DT homes NNS under IN construction NN should MD be VB broom NN cleaned VVD prior RB to TO the DT weekend NN . SENT Builders NNS should MD provide VV memory NN points NNS to TO set VV themselves PP apart RB from IN their PP$ larger JJR competitors NNS , , Anderson NP suggested VVD , , and CC they PP should MD offer VV such JJ items NNS as IN retro NN bath NN packages NNS , , granite NN as IN standard NN on IN kitchen NN islands NNS and CC bonus NN spaces NNS that IN sizzles NNS , , such JJ as IN wine NN cellars NNS or CC well RB crafted VVN media NNS rooms NNS . SENT Reviewing VVG a DT number NN of IN successful JJ developments NNS where WRB small JJ builders NNS were VBD able JJ to TO compete VV effectively RB with IN their PP$ larger JJR counterparts NNS , , Mike NP Kephart NP , , president NN of IN Denver NP based VVN Kephart NP Architects NPS , , noted VVD several JJ strategies NNS were VBD deployed VVN , , depending VVG upon IN the DT type NN of IN community NN . SENT In IN one CD Denver NP development NN , , Kephart NP Architects NPS created VVD private JJ enclosed VVN courtyards NNS in IN the DT builder NN s PP townhouses NNS to TO achieve VV quality NN outdoor JJ privacy NN in IN high JJ density NN living NN . SENT Buyers NNS recognized VVD the DT value NN and CC the DT 120 CD unit NN development NN sold VVD out RP in IN two CD years NNS in IN the DT face NN of IN big JJ builder NN competition NN , , said VVD Kephart NP . SENT Citing VVG another DT example NN , , Kephart NP noted VVD a DT win NN win VV situation NN where WRB the DT large JJ builder NN was VBD selling VVG townhomes NNS at IN 130 CD , , 000 CD to TO 150 CD , , 000 CD with IN a DT highly RB repetitive JJ , , stripped VVD down RB design VV . SENT Kephart NP designed VVD a DT higher JJR quality NN multifamily JJ development NN that WDT offered VVD homes NNS at IN 194 CD , , 000 CD to TO 230 CD , , 000 CD . SENT Both CC the DT high JJ end NN and CC more JJR affordable JJ homes NNS subsequently RB sold VVN well RB . SENT A DT Well NP Planned NP Design NP Studio NN Can MD Lead JJ to TO Satisfied JJ Customers NNS Today NN s PP active JJ adult NN buyers NNS demand VVP choices NNS , , especially RB on IN the DT major JJ items NNS . SENT But CC they PP also RB want VVP the DT builder NN developer NN to TO keep VV the DT processes VVZ simple JJ and CC convenient JJ . SENT So IN some DT large JJ national JJ builders NNS are VBP creating VVG design NN studios NNS to TO simplify VV the DT process NN . SENT They PP believe VVP the DT ideal JJ way NN to TO help VV buyers NNS make VV their PP$ decisions NNS is VBZ to TO centralize VV the DT choices NNS in IN one CD location NN , , under IN one CD roof NN rather RB than IN in IN various JJ showrooms NNS spread VVN across IN town NN . SENT A DT beautifully RB decorated VVN , , well RB laid VVN out IN design NN studio NN allows VVZ buyers NNS to TO touch VV surfaces VVZ and CC see VV the DT actual JJ patterns NNS and CC designs NNS put VVP together RB . SENT This DT helps VVZ enhance VV the DT selection NN process NN by IN minimizing VVG the DT guesswork NN . SENT In IN the DT end NN , , it PP can MD make VV the DT process NN more RBR endurable JJ , , even RB enjoyable JJ , , for IN buyers NNS . SENT Some DT of IN the DT items NNS featured VVN in IN a DT design NN studio NN may MD include VV the DT following NN . SENT Alarm NN and CC intercom NN systems NNS Appliance NN options NNS Cabinet NP selections NNS and CC finishes VVZ Central JJ vacuum NN system NN Ceramic JJ tile NN options NNS Corian NP and CC granite NN slab NN options NNS Custom NP built VVD ins NNS Fireplace NN faces VVZ Floor NN coverings NNS Home NP theaters NNS Mirrored VVD doors NNS and CC glass NN tub NN shower VV enclosures NNS Water NP treatment NN systems NNS Window NN coverings NNS A DT Knowledgeable JJ Design NN Consultant NN Can MD Enhance VV the DT Buying VVG Decision NN It PP s VVZ costing VVG a DT lot NN more RBR than IN we PP were VBD prepared VVN to TO spend VV . SENT Or CC , , We PP re IN getting VVG too RB much JJ pressure NN to TO decide VV . SENT The DT selection NN process NN literally RB can MD be VB a DT make VV or CC break VV point NN in IN the DT actual JJ sale NN . SENT Just RB as IN the DT sales NNS associate NN must MD do VV during IN the DT selling NN process NN , , the DT design NN consultant NN must MD be VB patient JJ , , try VVP to TO understand VV the DT customer NN s PP individual JJ needs NNS and CC , , most RBS importantly RB , , build VV value NN into IN every DT selection NN . SENT Doing VVG so RB will MD help VV the DT buyer NN overcome VV the DT price NN hurdle NN and CC build VV satisfaction NN into IN the DT process NN . SENT The DT customer NN wants VVZ to TO know VV he PP or CC she PP is VBZ making VVG a DT good JJ choice NN , , and CC the DT design NN consultant NN s PP reassurance NN can MD go VV a DT long JJ way NN . SENT On IN other JJ hand NN , , an DT unpleasant JJ experience NN can MD do VV serious JJ damage NN . SENT If IN the DT design NN consultant NN simply RB rattles VVZ off RP a DT checklist NN of IN copious JJ items NNS and CC expects VVZ customers NNS to TO make VV their PP$ decisions NNS prior RB to TO the DT appointment NN , , the DT results NNS can MD be VB disastrous JJ . SENT I PP ve VVZ seen VVN many JJ customers NNS cancel VV their PP$ purchases NNS when WRB confronted VVN by IN this DT approach NN . SENT Kitchens NP and CC Master NP Baths NPS Deserve VVP Extra JJ Attention NN It PP s VVZ a DT smart JJ idea NN to TO feature VV several JJ choices NNS in IN cabinet NN styles NNS and CC stain VV colors NNS in IN a DT design NN studio NN . SENT The DT same JJ holds VVZ true JJ for IN color NN selections NNS in IN granite NN or CC some DT other JJ hard JJ surface NN tops NNS . SENT Give VV your PP$ buyers NNS the DT option NN to TO customize VV their PP$ countertops NNS . SENT A DT flashy JJ backsplash NN also RB can MD be VB a DT treat NN . SENT However RB , , making VVG a DT buyer NN decide VV where WRB to TO place VV every DT electrical JJ outlet NN in IN the DT kitchen NN can MD cause VV the DT equivalent NN of IN brain NN damage NN . SENT Simply RB place VV an DT ample JJ amount NN of IN space NN according VVG to TO building NN codes NNS and CC ask VV the DT electrician NN not RB to TO encroach VV on IN that DT splashy JJ pattern NN that IN the DT design NN consultant NN created VVD so RB carefully RB . SENT After IN the DT kitchen NN , , the DT master NN bath NN is VBZ the DT second JJ most RBS used JJ area NN of IN the DT home NN . SENT Therefore RB , , another DT creative JJ opportunity NN comes VVZ into IN play NN . SENT Tile NN installation NN patterns NNS and CC plumbing NN fixtures NNS can MD add VV an DT element NN of IN luxury NN to TO any DT size NN or CC configuration NN . SENT Master NN baths NNS , , powder NN rooms NNS and CC guest NN baths NNS can MD be VB extravagantly RB designed VVN with IN intricate JJ tile NN work NN of IN various JJ shapes NNS and CC colors NNS or CC made VVN simple JJ and CC clean JJ with IN basic JJ cultured JJ marble NN . SENT Buyers NNS are VBP encouraged VVN to TO continue VV the DT design NN they PP started VVD in IN the DT front NN of IN the DT home NN and CC let VV it PP flow VV right RB into IN the DT bath NN areas NNS . SENT The DT number NN of IN boomerang NN children NNS or CC live VVP in IN parents NNS moving VVG into IN homes NNS has VHZ created VVN a DT new JJ trend NN that WDT reconfigures VVZ the DT second JJ bathroom NN into IN a DT bathroom NN suite NN off IN a DT second JJ bedroom NN . SENT Enlarging VVG the DT bath NN area NN with IN a DT linen NN closet NN , , extra JJ cabinetry NN and CC a DT double JJ sink NN lavatory NN is VBZ a DT perfect JJ fit NN for IN the DT child NN back RB home RB after IN college NN awaiting VVG a DT job NN , , the DT young JJ couple NN saving VVG up RP to TO purchase VV their PP$ own JJ home NN or CC the DT parent NN who WP needs VVZ the DT daily JJ care NN of IN a DT loved VVN one NN . SENT Flooring NN and CC Lighting NP Can MD Make VV a DT Personal JJ Statement NN Flooring NN is VBZ another DT key JJ area NN that IN buyers NNS dwell VV upon RP before IN making VVG a DT final JJ decision NN . SENT The DT design NN studio NN should MD include VV generous JJ selections NNS of IN grade NN , , pattern NN , , color NN and CC durability NN . SENT One CD California NP design NN consultant NN noted VVD that DT color NN is VBZ making VVG a DT comeback NN , , and CC in IN particular JJ , , coordinated VVN carpet NN insets NNS with IN deep JJ hued JJ borders NNS that WDT define VV areas NNS in IN the DT great JJ room NN , , dining VVG room NN , , etc FW . SENT A DT design NN consultant NN s PP knowledge NN and CC guidance NN of IN flooring NN can MD be VB helpful JJ to TO the DT customer NN . SENT Among IN the DT latest JJS trends NNS in IN hard JJ surface NN flooring NN selections NNS are VBP porcelain NN tile NN and CC stone NN . SENT The DT new JJ porcelain NN styles NNS are VBP a DT blend NN of IN thoroughly RB modern JJ designs NNS , , while IN providing VVG an DT Old NP World NP look NN . SENT Hard RB surfaces VVZ can MD evoke VV a DT timeworn JJ yet CC sophisticated JJ feeling NN throughout IN the DT home NN . SENT And CC hardwood NN floors NNS remain VVP a DT popular JJ choice NN for IN many JJ active JJ adult NN buyers NNS . SENT Lighting NP is VBZ a DT personal JJ choice NN that WDT makes VVZ a DT statement NN about IN who WP we PP are VBP . SENT Many JJ active JJ adult NN buyers NNS want VVP fixtures NNS to TO complement VV their PP$ furnishings NNS , , sometimes RB by IN blending VVG in IN or CC perhaps RB even RB standing VVG out RP . SENT Recessed VVN lighting NN not RB only RB can MD brighten VV kitchens NNS and CC baths NNS , , it PP can MD highlight VV special JJ features NNS throughout IN the DT home NN . SENT Lighting VVG fixture NN selections NNS range VVP from IN contemporary JJ to TO mission NN style NN , , with IN the DT latest JJS trend NN being VBG the DT Tommy NP Bahamas NPS theme NN . SENT While IN some DT customers NNS still RB prefer VVP the DT simple JJ , , polished JJ brass NN look NN , , many JJ are VBP turning VVG to TO nickel NN or CC rough JJ metal NN finishes NNS . SENT When WRB available JJ , , these DT choices NNS extend VVP to TO the DT hardware NN of IN cabinets NNS and CC doors NNS . SENT Don NP t NN Forget VV the DT Outdoors RB and CC Other JJ Small JJ Details NNS The DT design NN consultant NN should MD devote VV time NN and CC consideration NN to TO outdoor JJ living NN spaces NNS as RB well RB . SENT Whether IN a DT cozy JJ patio NN area NN , , a DT California NP style NN loggia NN or CC a DT sprawling JJ deck NN , , this DT is VBZ where WRB many JJ owners NNS want VVP to TO spend VV time NN relaxing VVG and CC reflecting VVG . SENT Fireplaces NNS , , built VVN in IN outdoor JJ kitchen NN areas NNS , , spas NNS , , pools NNS , , fish NN ponds NNS , , water NN features NNS or CC lap NN pools NNS create VVP an DT environment NN that WDT is VBZ worthy JJ of IN hours NNS of IN careful JJ planning NN . SENT While IN active JJ adult NN buyers NNS can MD become VV frustrated VVN when WRB asked VVN to TO place VV electrical JJ outlets NNS in IN the DT kitchen NN , , they PP want VVP to TO decide VV where WRB to TO place VV telephone NN and CC cable NN outlets NNS in IN the DT great JJ room NN , , study NN library NN and CC media NNS room NN . SENT Many JJ builders NNS find VVP that IN their PP$ buyers NNS prefer VVP group NN packages NNS of IN pre NP planned JJ locations NNS . SENT However RB , , some DT buyers NNS have VHP high JJ tech NN needs NNS and CC may MD require VV flexibility NN if IN they PP are VBP to TO be VB completely RB satisfied VVN . SENT Providing VVG adequate JJ outdoor JJ electrical JJ outlets NNS that WDT take VVP into IN consideration NN exterior JJ holiday NN d SYM cor NP is VBZ a DT plus NN . SENT The DT goal NN of IN every DT builder NN and CC developer NN is VBZ to TO deliver VV what WP the DT customer NN wants VVZ . SENT A DT well RB equipped VVN design NN studio NN staffed VVN by IN qualified JJ design NN consultations NNS can MD make VV the DT difference NN . SENT It PP can MD lead VV to TO satisfied JJ customers NNS and CC a DT perfect JJ survey NN score NN . SENT Sharon NP Baker NP is VBZ the DT director NN of IN sales NNS development NN with IN Scottsdale NP , , AZ NP based VVD Shea NP Homes NPS for IN Active JJ Adults NNS , , which WDT has VHZ six CD Trilogy NN resort NN communities NNS in IN Arizona NP , , southern JJ and CC northern JJ California NP and CC Washington NP state NN . SENT Baker NP has VHZ 17 CD years NNS experience NN in IN the DT real JJ estate NN industry NN , , including VVG four CD years NNS as IN a DT senior JJ sales NNS manager NN specializing VVG in IN active JJ adult NN communities NNS in IN Del NP Webb NP s PP Austin NP and CC Phoenix NP markets NNS . SENT Baker NP can MD be VB reached VVN at IN 480 CD 367 CD 3724 CD or CC sharon NP . SENT baker NN sheahomes NNS . SENT com NN . SENT This DT article NN appeared VVD in IN the DT Winter NP 2004 CD issue NN of IN Seniors NNS Housing NP News NP . SENT Learn VV More RBR About IN Seniors NNS Housing NN Through IN the DT Seniors NNS Housing NP Council NP To TO learn VV more JJR about IN seniors NNS housing NN , , join VV the DT NAHB NP Seniors NNS Housing NP Council NP . SENT The DT council NN provides VVZ information NN , , education NN , , networking NN and CC recognition NN opportunities NNS for IN its PP$ members NNS and CC represents VVZ NAHB NP on IN seniors NNS housing NN issues NNS . SENT For IN more JJR details NNS , , e NN mail NN Jeff NP Jenkins NP or CC call VV him PP at IN 800 CD 368 CD 5242 CD x SYM 8292 CD . SENT BuilderBooks NNS . SENT com NN Has VHZ Publications NP About IN Seniors NNS Housing NP BuilderBooks NP . SENT com NN offers VVZ a DT variety NN of IN publications NNS about IN the DT seniors NNS housing NN market NN . SENT To TO view VV or CC purchase VV these DT publications NNS , , click NN here RB and CC type NN seniors NNS in IN the DT search NN engine NN . SENT 2004 CD Seniors NNS Housing NP Symposium NN To TO learn VV more JJR about IN the DT seniors NNS housing NN market NN , , plan VVP to TO attend VV the DT 2004 CD Seniors NNS Housing NP Symposium NN , , Building VVG for IN Boomers NNS Beyond IN in IN Chicago NP from IN April NP 14 CD 16 CD . SENT The DT symposium NN will MD focus VV on IN the DT lifestyle NN component NN of IN 50 CD seniors NNS housing NN . SENT Seniors NNS Housing NP Councils NNS Open JJ in IN Denver NP and CC Central NP Washington NP During IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP , , the DT NAHB NP Seniors NNS Housing NP Council NP s PP Board NP of IN Trustees NNS unanimously RB approved VVD the DT formation NN of IN two CD new JJ local JJ Seniors NNS Housing NN Councils NNS in IN Denver NP and CC central JJ Washington NP . SENT This DT brings VVZ the DT number NN of IN councils NNS to TO eight CD , , with IN existing VVG councils NNS in IN Greater NP Atlanta NP , , Maryland NP National NP Capital NP Washington NP , , D NP . SENT C SYM . SENT , , Metro NP Harrisburg NP PA NN , , New NP England NP , , New NP Jersey NP and CC Southern NP California NP . SENT The DT Denver NP area NN local JJ SHC NP was VBD formed VVN by IN the DT Home NP Builders NPS Association NP of IN Metro NP Denver NP to TO raise VV awareness NN of IN the DT burgeoning VVG seniors NNS housing NN market NN in IN Colorado NP . SENT According VVG to TO U NP . SENT S NP . SENT Census NP data NNS , , Colorado NP s VVZ 55 CD 74 CD population NN increased VVD 27 CD from IN 1990 CD to TO 2000 CD , , the DT fourth JJ fastest JJS in IN the DT country NN . SENT People NNS may MD not RB realize VV it PP , , but CC Colorado NP is VBZ a DT hotbed NN for IN seniors NNS housing NN , , said VVD Larry NP Armstrong NP , , president NN of IN Retirement NP Living VVG Inc NP . SENT of IN Colorado NP and CC one CD of IN the DT organizers NNS of IN the DT new JJ local JJ council NN . SENT Everywhere RB you PP look VVP , , there EX are VBP aging VVG baby NN boomers NNS and CC seniors NNS retiring VVG here RB . SENT The DT market NN is VBZ going VVG to TO be VB huge JJ over IN the DT next JJ few JJ decades NNS . SENT Armstrong NP noted VVD that IN the DT Senior NP Housing NP Council NP of IN the DT HBA NP of IN Metro NP Denver NP would MD try VV to TO work VV closely RB with IN local JJ governments NNS to TO create VV a DT more RBR favorable JJ environment NN for IN the DT seniors NNS housing NN industry NN . SENT Our PP$ group NN will MD push VV to TO have VH local JJ zoning NN ordinances NNS that WDT promote VVP the DT development NN of IN age NN qualified JJ communities NNS , , Armstrong NP said VVD . SENT Active JJ adult NN communities NNS have VHP a DT positive JJ impact NN on IN the DT local JJ economy NN and CC many JJ other JJ benefits NNS . SENT Our PP$ local JJ Seniors NNS Housing NP Council NP will MD try VV to TO spread VV the DT word NN . SENT The DT Denver NP local JJ SHC NP also RB will MD provide VV education NN and CC networking NN opportunities NNS for IN its PP$ members NNS . SENT Although IN the DT council NN is VBZ still RB in IN the DT organizational JJ stage NN , , it PP has VHZ already RB signed VVN up RP more JJR than IN 30 CD members NNS . SENT The DT Seniors NNS Housing NP Council NP of IN Central NP Washington NP was VBD formed VVN by IN the DT HBA NP of IN Central NP Washington NP to TO serve VV seniors NNS housing NN professionals NNS in IN Yakima NP , , Kittitas NP and CC Klickitat NP Counties NNS . SENT Mike NP Elliott NP , , president NN owner NN of IN Mike NP Elliott NP Construction NN and CC chair NN of IN the DT local JJ council NN , , said VVD his PP$ council NN would MD emphasize VV the DT interests NNS of IN local JJ remodelers NNS and CC small JJ and CC mid JJ size NN builders NNS . SENT A DT large JJ community NN in IN our PP$ area NN is VBZ about IN 40 CD 50 CD homes NNS , , so RB we PP will MD try VV to TO meet VV the DT needs NNS of IN the DT little JJ guys NNS , , Elliott NP said VVD . SENT We PP also RB want VVP to TO promote VV remodeling NN for IN aging VVG in IN place NN and CC the DT importance NN of IN universal JJ design NN . SENT Although IN many JJ people NNS move VVP to TO active JJ adult NN communities NNS , , a DT large JJ number NN prefer VVP to TO stay VV in IN their PP$ existing JJ home NN as IN they PP get VVP older JJR . SENT Elliott NP anticipates VVZ that IN his PP$ three CD county NN area NN will MD attract VV new JJ active JJ adult NN communities NNS in IN the DT future NN . SENT He PP feels VVZ it PP is VBZ important JJ to TO educate VV builders NNS about IN the DT opportunities NNS that WDT await VVP them PP . SENT The DT seniors NNS housing NN industry NN is VBZ extremely RB exciting JJ , , said VVD Elliott NP , , noting VVG that IN his PP$ local JJ SHC NP has VHZ already RB signed VVN up RP 17 CD new JJ members NNS . SENT There EX s PP a DT lot NN of IN interest NN here RB in IN central JJ Washington NP . SENT Local JJ Seniors NNS Housing NN Councils NNS are VBP valuable JJ resources NNS for IN industry NN professionals NNS who WP serve VVP the DT burgeoning VVG 50 CD market NN , , providing VVG unique JJ opportunities NNS to TO meet VV with IN others NNS who WP are VBP interested VVN in IN seniors NNS housing NN , , share NN ideas NNS and CC engage VV in IN strategic JJ problem NN solving VVG . SENT Local JJ SHCs NP promote VV an DT environment NN of IN mutual JJ support NN among IN members NNS even RB competitors NNS , , said VVD Bonnie NP Solomon NP , , vice NN president NN of IN retirement NN living VVG services NNS for IN Delmar NP Gardens NPS Enterprises NPS in IN St NP . SENT Louis NP , , and CC chair NN of IN the DT NAHB NP Seniors NNS Housing NP Council NP . SENT It PP s PP also RB the DT best JJS place NN to TO go VV for IN information NN pertinent JJ to TO your PP$ local JJ market NN . SENT As IN a DT member NN of IN a DT local JJ Seniors NNS Housing NP Council NP , , you PP enjoy VVP the DT same JJ benefits NNS as IN a DT member NN of IN the DT NAHB NP Seniors NNS Housing NP Council NP and CC much RB more RBR . SENT It PP s PP a DT great JJ value NN . SENT To TO join VV the DT Senior NP Housing NP Council NP of IN the DT HBA NP of IN Metro NP Denver NP , , e NN mail NN Michelle NP Bynum NP or CC call VV her PP at IN 303 CD 778 CD 1400 CD x SYM 205 CD . SENT For IN more JJR information NN on IN the DT Seniors NNS Housing NP Council NP of IN Central NP Washington NP , , e NN mail NN Lola NP Franklin NP or CC call VV her PP at IN 509 CD 454 CD 4006 CD . SENT To TO learn VV how WRB to TO start VV a DT local JJ Seniors NNS Housing NP Council NP in IN your PP$ area NN , , contact NN Jeff NP Jenkins NP , , NAHB NP Seniors NNS Housing NP Council NP , , at IN 800 CD 368 CD 5242 CD x SYM 8292 CD . SENT For IN more JJR information NN on IN the DT NAHB NP Seniors NNS Housing NP Council NP , , click NN here RB . SENT BuilderBooks NNS . SENT com NN Has VHZ Publications NP About IN Seniors NNS Housing NP BuilderBooks NP . SENT com NN offers VVZ a DT variety NN of IN publications NNS about IN the DT seniors NNS housing NN market NN . SENT To TO view VV or CC purchase VV these DT publications NNS , , click NN here RB and CC type NN seniors NNS in IN the DT search NN engine NN . SENT 2004 CD Seniors NNS Housing NP Symposium NN To TO learn VV more JJR about IN the DT seniors NNS housing NN market NN , , plan VVP to TO attend VV the DT 2004 CD Seniors NNS Housing NP Symposium NN , , Building VVG for IN Boomers NNS Beyond IN in IN Chicago NP from IN April NP 14 CD 16 CD . SENT The DT symposium NN will MD focus VV on IN the DT lifestyle NN component NN of IN 50 CD seniors NNS housing NN . SENT A DT Professional NP Designation NN From IN NAHB NP Is VBZ Good JJ for IN Your PP$ Business NN By IN Greg NP Miedema NP , , CGR NP , , CAPS NNS You PP may MD ask VV yourself PP , , why WRB do VVP I PP need VVP to TO spend VV my PP$ time NN and CC money NN on IN a DT designation NN . SENT Or CC perhaps RB , , what WP s PP in IN it PP for IN me PP . SENT Like IN many JJ industries NNS , , the DT home NN building NN and CC remodeling NN industry NN has VHZ various JJ associations NNS offering VVG accreditation NN for IN continuing VVG education NN and CC training NN . SENT But CC is VBZ it PP worth JJ the DT time NN and CC expense NN to TO pursue VV them PP . SENT There EX are VBP several JJ angles NNS from IN which WDT the DT rewards NNS can MD be VB viewed VVN . SENT marketing NN , , professional JJ development NN , , business NN development NN and CC personal JJ development NN are VBP just RB a DT few JJ . SENT From IN a DT personal JJ and CC professional JJ development NN standpoint NN , , great JJ value NN can MD be VB realized VVN by IN attending VVG the DT classes NNS and CC seminars NNS in IN pursuit NN of IN any DT designation NN . SENT Sitting VVG with IN like IN minded VVD professionals NNS with IN similar JJ goals NNS , , in IN a DT focused VVN presentation NN designed VVN to TO help VV you PP with IN your PP$ business NN pursuits NNS , , has VHZ real JJ value NN . SENT It PP s PP a DT time NN to TO focus VV and CC exchange VV ideas NNS with IN other JJ folks NNS with IN similar JJ business NN interests NNS and CC similar JJ backgrounds NNS . SENT That DT idea NN exchange NN and CC thought VVD provoking JJ atmosphere NN alone RB is VBZ worth IN the DT time NN and CC money NN of IN participating VVG . SENT You PP can MD t NN get VV that IN from IN a DT cassette NN tape NN . SENT From IN a DT business NN standpoint NN , , the DT advantages NNS and CC rewards NNS are VBP similar JJ . SENT the DT knowledge NN you PP acquire VV in IN a DT specific JJ area NN of IN business NN helps VVZ give VV you PP an DT edge NN over IN your PP$ competitors NNS . SENT You PP have VHP the DT opportunity NN to TO hear VV it PP from IN someone NN who WP s PP been VBN there RB , , done VVN that IN , , to TO engage VV in IN a DT one NN on IN one CD dialogue NN , , to TO ask VV specific JJ questions NNS and CC hear VV examples NNS that WDT can MD be VB applied VVN to TO your PP$ business NN and CC to TO establish VV information NN resources NNS you PP can MD consult VV in IN the DT future NN . SENT The DT relationships NNS you PP form VVP while IN pursuing VVG a DT designation NN can MD help VV you PP continue VV in IN your PP$ business NN endeavors NNS . SENT I PP believe VVP the DT value NN of IN networking NN is VBZ one CD of IN the DT most RBS underestimated VVN advantages NNS of IN participating VVG in IN the DT activities NNS of IN your PP$ home NN builders NNS association NN . SENT The DT marketing NN opportunities NNS are VBP boundless JJ . SENT Every DT businessperson NN recognizes VVZ the DT need NN to TO leverage VV any DT investment NN in IN time NN or CC money NN for IN a DT maximum JJ return NN . SENT You PP can MD use VV your PP$ new JJ credentials NNS as IN a DT tool NN to TO demonstrate VV your PP$ expertise NN in IN a DT particular JJ area NN , , to TO express VV your PP$ commitment NN to TO the DT industry NN , , to TO capitalize VV on IN the DT recognition NN you PP receive VVP and CC more JJR . SENT You PP can MD now RB be VB the DT voice NN of IN an DT authoritative JJ expert NN , , and CC may MD very RB well RB find VV yourself PP fielding VVG calls NNS and CC questions NNS from IN magazines NNS , , newspapers NNS , , civic JJ groups NNS or CC just RB curious JJ consumers NNS . SENT All DT of IN that WDT can MD help VV you PP establish VV credibility NN . SENT All DT in IN all DT , , the DT value NN of IN earning VVG a DT designation NN goes VVZ far RB beyond IN the DT day NN or CC two CD you PP spend VVP in IN the DT classroom NN . SENT It PP s PP the DT personal JJ growth NN , , the DT professional JJ knowledge NN and CC expertise NN , , the DT networking NN that WDT often RB lasts VVZ for IN an DT entire JJ career NN and CC the DT satisfaction NN that IN you PP ve VVZ taken VVN steps NNS to TO improve VV your PP$ performance NN . SENT It PP s PP no DT small JJ coincidence NN that IN when WRB you PP read VVP success NN stories NNS , , or CC read VV trade NN publications NNS , , that IN the DT people NNS who WP are VBP featured VVN there RB always RB seem VVP to TO have VH some DT initials NNS after IN their PP$ name NN , , a DT designation NN indicative JJ of IN their PP$ business NN success NN . SENT In IN recognition NN of IN this DT and CC much RB more RBR , , NAHB NP has VHZ announced VVN that IN February NP is VBZ National NP Designation NN Month NN . SENT Watch VV NAHB NP s PP Web NP site NN for IN special JJ events NNS and CC a DT listing NN of IN classes NNS . SENT By IN educating VVG and CC continuing VVG to TO educate VV its PP$ members NNS , , NAHB NP works VVZ hard JJ to TO assure VV its PP$ own JJ continued JJ success NN and CC excellence NN . SENT Greg NP Miedema NP , , CGR NP , , CAPS NNS , , is VBZ president NN of IN Dakota NP Builders NPS in IN Tucson NP , , AZ NP . SENT He PP is VBZ chair NN and CC founder NN of IN his PP$ local JJ Remodelors NP Council NP , , a DT member NN of IN the DT NAHB NP Remodelors NP Council NP Board NP of IN Trustees NNS and CC currently RB serves VVZ as IN the DT chairman NN of IN the DT Remodelors NP Council NP Public NP Affairs NPS Committee NP . SENT The DT Southern NP Arizona NP Home NP Builders NPS Association NP SAHBA NP has VHZ named VVN Dakota NP Builders NPS , , Inc NP . SENT Remodelor NN of IN the DT Year NN in IN 1998 CD , , 1999 CD and CC 2000 CD . SENT For IN more JJR information NN , , send VV him PP an DT e NN mail NN . SENT BuilderBooks NNS . SENT com NN Offers NP Publications NPS for IN Remodelers NNS BuilderBooks NNS . SENT com NN offers VVZ a DT variety NN of IN publications NNS about IN remodeling NN . SENT To TO view VV or CC puchase VV these DT publications NNS online JJ , , click NN here RB , , or CC call VV 800 CD 223 CD 2665 CD to TO order VV by IN phone NN . SENT University NP of IN Housing NP Offers NP Courses NNS and CC Designation NN Programs NNS The DT NAHB NP University NP of IN Housing NP offers VVZ a DT variety NN of IN business NN management NN courses NNS and CC professional JJ designation NN programs NNS that WDT set VVP builders NNS and CC remodelers NNS apart RB from IN the DT competition NN . SENT For IN a DT complete JJ list NN of IN current JJ offerings NNS , , click NN here RB . SENT Make VV Your PP$ Connection NN With IN www NP . SENT nahb NN . SENT org NNS Make VVP your PP$ connection NN to TO the DT latest JJS housing NN industry NN news NN and CC information NN with IN www NP . SENT nahb NN . SENT org NP the DT official JJ public NN and CC members NNS only JJ Web NP site NN of IN NAHB NP . SENT Log VV in IN today NN to TO register VV for IN educational JJ seminars NNS , , meetings NNS and CC networking NN events NNS . SENT find VV important JJ economic JJ and CC housing NN data NNS . SENT and CC learn VV the DT latest JJS developments NNS in IN NAHB NP s PP efforts NNS to TO promote VV housing NN . SENT It PP s PP all RB available JJ to TO you PP 24 CD hours NNS a DT day NN at IN www NP . SENT nahb NN . SENT org NP . SENT Just RB click NN the DT Member NP Log NN In IN button NN to TO get VV started VVN . SENT If IN you PP are VBP a DT member NN and CC need NN information NN about IN NAHB NP products NNS and CC services NNS , , use VVP the DT NAHB NP Staff NP Contact NP Directory NN to TO look VV up RP the DT direct JJ telephone NN extensions NNS for IN NAHB NP staff NN experts NNS . SENT Concrete JJ Home NP Building NP Council NP Introduced VVD at IN Builders NPS Show NP Officially RB launched VVD on IN Jan NP . SENT 1 LS , , the DT formation NN of IN the DT Building NP Systems NPS Councils NNS Concrete JJ Home NP Building NP Council NP CHBC NP was VBD recognized VVN at IN the DT NAHB NP Board NP of IN Directors NPS meeting NN during IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP . SENT Dan NP Harrington NP , , chairman NN of IN the DT Portland NP Cement NP Association NP PCA NP , , joined VVD NAHB NP First NP Vice NP President NP David NP Wilson NP on IN stage NN to TO present VV a DT check NN for IN 150 CD , , 000 CD to TO provide VV seed NN money NN to TO inaugurate VV the DT new JJ council NN . SENT Other JJ partners NNS of IN the DT new JJ council NN include VVP the DT Insulated VVN Concrete NN Forms NNS Association NP , , the DT Concrete JJ Foundations NNS Association NP and CC the DT Precast JJ Prestressed VVN Concrete JJ Institute NP . SENT The DT Concrete JJ Home NP Building NP Council NP held VVD its PP$ first JJ meeting NN during IN the DT Builders NPS Show NP , , voting NN on IN its PP$ leadership NN structure NN and CC outlining VVG programs NNS and CC services NNS for IN its PP$ first JJ year NN . SENT The DT council NN also RB sponsored VVD an DT educational JJ session NN providing VVG an DT introduction NN to TO Insulated VVN Concrete JJ Form NN technology NN . SENT Membership NN in IN the DT Concrete JJ Home NP Building NP Council NP is VBZ open JJ to TO cement NN and CC concrete JJ producers NNS , , as RB well RB as IN builders NNS . SENT To TO join VV , , e NN mail NN the DT Building NP Systems NPS Councils NNS or CC call VV 800 CD 368 CD 5242 CD x SYM 8676 CD . SENT To TO see VV first JJ hand NN one NN of IN the DT larger JJR cement NN manufacturers NNS in IN the DT country NN , , attend VVP the DT Modular JJ and CC Panelized JJ Building NP Systems NP Councils NNS 2004 CD Plant NN Tour NN . SENT Taking VVG place NN in IN South NP Bend NP , , IN IN from IN May NP 23 CD 25 CD , , the DT tour NN will MD include VV stops NNS at IN a DT variety NN of IN modular JJ and CC panelized VVN manufacturing NN facilities NNS and CC at IN Aggregate JJ Industries NPS , , the DT nation NN s PP fifth RB largest JJS producer NN of IN ready JJ mixed JJ concrete NN . SENT Photo NN by IN Oscar NP and CC Associates NPS HBI NP Job NP Corps NP Graduates NNS Honored VVN at IN NAHB NP Board NP Meeting VVG The DT housing NN industry NN s PP highest RB awards VVZ for IN achievement NN in IN training NN were VBD presented VVN to TO two CD Home NP Builders NPS Institute NP HBI NP plumbing NN graduates NNS during IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP . SENT In IN a DT ceremony NN at IN the DT NAHB NP Board NP of IN Directors NPS meeting NN , , 2003 CD NAHB NP President NP Kent NP Conine NP presented VVD the DT HBI NP Student NN of IN the DT Year NN award NN to TO Lenord NP Fobb NP , , Jr NP . SENT , , owner NN of IN Fobb NP s PP Affordable JJ Plumbing NN Service NP in IN Garland NP , , TX NP , , a DT business NN he PP runs VVZ with IN his PP$ wife NN , , Travona NP . SENT Former JJ NAHB NP President NP Shirley NP Wiseman NP Lach NP presented VVD the DT Shirley NP Wiseman NP Lach NP Award NN for IN Exceptional JJ Promise NP to TO Starr NP Delgado NP , , an DT HBI NP plumbing NN instructor NN at IN the DT Westover NP Job NP Corps NP Center NP in IN Worcester NP , , MA NN . SENT Fobb NP enrolled VVD in IN the DT HBI NP plumbing NN program NN at IN the DT North NP Texas NP Job NP Corps NP Center NP in IN McKinney NP , , TX NP , , in IN 1997 CD . SENT In IN only RB eight CD months NNS , , he PP was VBD noted VVN as IN the DT Most RBS Improved JJ Plumber NP of IN the DT Month NN and CC went VVD on RP to TO earn VV the DT distinction NN of IN being VBG the DT Most RBS Outstanding JJ Plumber NP of IN the DT Month NN . SENT Today NN , , at IN age NN 25 CD , , Fobb NP is VBZ a DT master NN plumber NN with IN his PP$ own JJ business NN . SENT I PP take VVP pride NN in IN the DT quality NN of IN service NN that IN we PP offer VVP , , he PP said VVD in IN an DT interview NN with IN the DT Dallas NP Morning NP News NP . SENT When WRB we PP get VVP more JJR business NN , , I PP will MD hire VV more JJR people NNS . SENT I PP see VVP this DT business NN as IN being VBG one CD of IN the DT largest JJS in IN Texas NP . SENT The DT father NN of IN two CD sons NNS , , Fobb NP also RB serves VVZ as IN assistant JJ minister NN at IN the DT Greater NP Stone NP Baptist NP Church NP . SENT Delgado NP enrolled VVD in IN HBI NP s PP plumbing NN program NN at IN the DT Grafton NP Job NP Corps NP Center NP in IN North NP Grafton NP , , MA NN , , leaving VVG behind IN forever RB a DT life NN of IN gangs NNS and CC dead JJ end NN jobs NNS . SENT During IN her PP$ 12 CD months NNS in IN Job NP Corps NP , , she PP was VBD elected VVN president NN of IN the DT student NN government NN , , worked VVN as IN a DT staff NN assistant NN and CC was VBD featured VVN as IN a DT rising VVG star NN in IN the DT local JJ newspaper NN . SENT At IN age NN 26 CD , , she PP has VHZ returned VVN to TO HBI NP , , working VVG as IN a DT plumbing NN teacher NN at IN the DT Westover NP Job NP Corps NP Center NP , , where WRB she PP is VBZ able JJ to TO share VV her PP$ craft NN with IN other JJ young JJ people NNS also RB looking VVG for IN a DT second JJ chance NN . SENT The DT mother NN of IN a DT four CD year NN old JJ daughter NN , , she PP continues VVZ to TO attend VV evening NN classes NNS toward IN earning VVG a DT Journey NP level NN license NN . SENT Photo NN by IN Oscar NP and CC Associates NPS Programs NP Address NN Shortages NNS of IN Skilled JJ Construction NN Workers NNS To TO help VV alleviate VV the DT shortage NN of IN skilled JJ construction NN workers NNS and CC to TO encourage VV more JJR students NNS to TO consider VV a DT career NN in IN housing NN , , a DT group NN of IN Florida NP home NN builders NNS has VHZ instituted VVN a DT hands NNS on IN program NN at IN a DT local JJ high JJ school NN that WDT introduces VVZ students NNS to TO the DT breadth NN of IN professional JJ , , technical JJ and CC craft NN careers NNS in IN the DT residential JJ construction NN industry NN . SENT Speaking VVG at IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP , , David NP Ellis NP , , executive JJ vice NN president NN of IN the DT Collier NP Building NP Industry NP Association NP in IN Naples NP , , FL NP , , explained VVD how WRB the DT BIA NP established VVD an DT education NN industry NN partnership NN with IN an DT area NN high JJ school NN that WDT enables VVZ students NNS to TO gain VV academic JJ enrichment NN , , practical JJ experience NN , , career NN awareness NN and CC ultimately RB , , access NN to TO employment NN opportunities NNS . SENT Our PP$ challenge NN was VBD to TO figure VV out RP how WRB to TO improve VV the DT industry NN image NN with IN the DT students NNS , , said VVD Ellis NP . SENT We PP integrated VVN a DT curriculum NN directly RB in IN the DT classroom NN so IN that DT students NNS could MD begin VV seeing VVG the DT connections NNS between IN their PP$ studies NNS and CC real JJ world NN activities NNS and CC occupations NNS . SENT With IN the DT help NN of IN nearly RB two CD dozen NN HBA NP members NNS who WP volunteered VVD their PP$ time NN and CC materials NNS , , a DT 5 CD , , 400 CD square JJ foot NN lab NN was VBD constructed VVN at IN the DT school NN to TO enable VV students NNS to TO engage VV in IN small JJ masonry NN , , plumbing NN and CC electrical JJ projects NNS . SENT Playhouses NNS were VBD built VVN and CC sold VVN , , and CC the DT proceeds NNS were VBD funneled VVN back RB to TO scholarship NN programs NNS for IN the DT students NNS . SENT As IN the DT students NNS go VVP through IN the DT program NN , , local JJ builders NNS offer NN summer NN pre NP apprenticeship NN jobs NNS followed VVN by IN an DT opportunity NN to TO enter VV an DT apprenticeship NN program NN after IN graduation NN . SENT Engineering NN and CC technology NN internships NNS are VBP also RB available JJ for IN students NNS seeking VVG to TO move VV on IN to TO college NN . SENT This DT has VHZ let VVN the DT students NNS see VVP that DT home NN building NN is VBZ a DT diversified JJ field NN that WDT offers VVZ plenty NN of IN opportunity NN . SENT We PP are VBP energizing VVG a DT workforce NN that WDT will MD come VV into IN our PP$ industry NN , , said VVD Ellis NP . SENT As IN an DT added JJ bonus NN , , it PP has VHZ also RB done VVN wonders NNS to TO help VV our PP$ industry NN s PP image NN in IN the DT community NN . SENT Building VVG on IN the DT program NN s PP success NN , , Ellis NP said VVD that IN the DT BIA NP is VBZ adding VVG a DT second JJ program NN at IN another DT local JJ high JJ school NN that WDT is VBZ projected VVN to TO accommodate VV 150 CD students NNS . SENT According VVG to TO Carolee NP Mills NP , , vice NN president NN of IN workforce NN development NN at IN the DT Home NP Builders NPS Institute NP HBI NP , , more JJR than IN 150 CD occupations NNS in IN crafts NNS , , technology NN and CC business NN are VBP required VVN to TO build VV a DT home NN . SENT There EX were VBD 6 CD . SENT 7 CD million CD workers NNS in IN our PP$ industry NN in IN 2001 CD and CC we PP will MD need VV an DT additional JJ 1 CD . SENT 5 CD million CD workers NNS by IN 2010 CD just RB to TO sustain VV the DT productivity NN that IN we PP have VHP today NN , , she PP said VVD . SENT HBI NP , , through IN Job NP Corps NP and CC other JJ programs NNS , , trains NNS 3 CD , , 000 CD to TO 5 CD , , 000 CD new JJ workers NNS annually RB . SENT To TO help VV develop VV the DT next JJ generation NN of IN residential JJ construction NN employees NNS , , Steve NP Kramer NP , , HBI NP s PP vice NN president NN of IN marketing NN , , said VVD the DT organization NN has VHZ developed VVN a DT Residential JJ Construction NP Academy NP Series NP of IN textbooks NNS and CC CD NP Roms NP covering VVG crafts NNS , , trades NNS , , carpentry NN , , electrical JJ principles NNS , , home NN wiring NN and CC more JJR . SENT The DT information NN is VBZ being VBG distributed VVN to TO high JJ schools NNS , , vocational JJ schools NNS and CC two CD year NN colleges NNS . SENT In IN a DT related JJ area NN aimed VVN at IN providing VVG worker NN training NN to TO improve VV the DT bottom JJ line NN , , Paul NP Mashburn NP , , president NN of IN Viking NN Builders NPS Inc NP . SENT in IN Winter NP Park NP , , FL NP , , described VVD how WRB the DT Residential JJ Construction NN Superintendent NN RSC NN designation NN can MD benefit VV current JJ site NN personnel NNS who WP want VVP to TO excel VV in IN this DT position NN . SENT The DT program NN was VBD developed VVN by IN HBI NP and CC the DT Florida NP Home NP Builders NPS Association NP , , and CC has VHZ attracted VVN nearly RB 2 CD , , 000 CD participants NNS over IN the DT past JJ year NN . SENT Superintendents NNS who WP go VVP through IN the DT program NN learn VV how WRB to TO improve VV planning VVG and CC scheduling VVG skills NNS to TO increase VV profits NNS , , effectiveness NN and CC on IN time NN deliveries NNS . SENT The DT classes NNS also RB cover VVP customer NN service NN and CC home NN owner NN relations NNS , , detail NN how WRB to TO protect VV safety NN and CC security NN on IN the DT job NN site NN , , show VVP how WRB to TO enforce VV code NN compliance NN at IN the DT work NN site NN and CC lay VV out RP successful JJ recruitment NN strategies NNS for IN subcontractors NNS and CC employees NNS . SENT For IN an DT updated VVN listing NN of IN RSC NN designation NN courses NNS and CC locations NNS , , click NN here RB . SENT Awards NNS Recognize VVP Achievement NP in IN Sales NNS and CC Marketing NN From IN architectural JJ achievements NNS to TO interior JJ merchandising NN , , the DT year NN s PP best RBS in IN residential JJ real JJ estate NN sales NNS , , marketing NN and CC design NN were VBD recognized VVN last JJ month NN at IN the DT 23 CD rd NNS Annual JJ National NP Sales NNS and CC Marketing NN Awards NNS Gala NP , , which WDT was VBD held VVN in IN conjunction NN with IN the DT International NP Builders NPS Show NP in IN Las NP Vegas NP . SENT Hosted VVD by IN the DT NAHB NP National NP Sales NP and CC Marketing NP Council NP NSMC NP , , the DT awards NNS , , known VVN as IN The DT Nationals NNS , , attracted VVD more JJR than IN 1 CD , , 000 CD building NN industry NN professionals NNS . SENT These DT awards NNS highlight VV the DT outstanding JJ achievements NNS of IN sales NNS and CC marketing NN professionals NNS around IN the DT country NN , , said VVD Michael NP Copp NP , , executive JJ director NN of IN NSMC NP . SENT This DT event NN exemplifies VVZ the DT innovation NN that IN s PP driving VVG future JJ trends NNS within IN our PP$ industry NN . SENT The DT Nationals NNS recognizes VVZ exceptional JJ new JJ home NN sales NNS and CC marketing NN efforts NNS and CC is VBZ the DT country NN s VVZ largest JJS established JJ new JJ home NN sales NNS and CC marketing NN competition NN . SENT The DT ceremony NN also RB honors VVZ Legends NNS of IN Residential JJ Marketing NP builders NNS and CC marketers NNS who WP stand VVP apart RB as IN innovative JJ leaders NNS in IN the DT industry NN . SENT This DT year NN s PP honored VVN winners NNS from IN a DT diverse JJ field NN of IN more JJR than IN 1 CD , , 100 CD entries NNS in IN 51 CD categories NNS . SENT A DT geographically RB diverse JJ panel NN of IN marketing NN professionals NNS , , builders NNS , , architects NNS , , consultants NNS , , trade NN publishers NNS and CC others NNS who WP represent VVP disciplines NNS contributing VVG to TO new JJ home NN sales NNS and CC marketing NN made VVD their PP$ decisions NNS over IN a DT three CD day NN period NN . SENT A DT few JJ of IN top JJ award NN winners NNS are VBP highlighted VVN below RB . SENT For IN a DT complete JJ list NN of IN Gold NP , , Silver NN and CC Regional JJ winners NNS and CC additional JJ details NNS and CC history NN of IN the DT event NN , , click NN here RB . SENT Community NN of IN the DT Year NN Gold NN Awards NNS Attached VVN Community NP of IN the DT Year NP Urban NP . SENT Metropolis NN by IN Wood NP Partners NPS The DT Novare NP Group NP , , Atlanta NP Attached VVD Community NP of IN the DT Year NP Suburban NP . SENT The DT Strand NP by IN Brookfield NP Homes NPS in IN Newport NP Beach NP , , CA MD Detached VVN Community NN of IN the DT Year NN priced VVN under IN 500 CD , , 000 CD . SENT The DT Villas NP by IN Christopher NP Homes NPS , , Las NP Vegas NP Detached VVN Community NP of IN the DT Year NN priced VVN over IN 500 CD , , 000 CD . SENT Fiore NP by IN Pardee NP Homes NPS , , Irvine NP , , CA MD Individual NP Achievement NP Honors NNS Marketing NP Director NP of IN the DT Year NN . SENT Robert NP Adams NP of IN Park NP Square NP Homes NPS , , Orlando NP Sales NP Manager NP of IN the DT Year NN . SENT Dave NP Harding NP of IN Western NP Pacific NP Housing NP , , Los NP Angeles NP Sales NP Person NP of IN the DT Year NN . SENT Kelly NP R NP . SENT Lucente NP of IN Ryland NP Homes NPS , , Eden NP Prairie NP , , MN NP . SENT Rookie NN Sales NNS Person NP of IN the DT Year NN . SENT Brett NP Grantham NP of IN D NP . SENT R SYM . SENT Horton NP , , Portland NP , , OR CC Legends NNS Builder NN Legend NP . SENT Robert NP Strudler NP , , vice NN chairman NN and CC CEO NN of IN Lennar NP Associate NP Legend NP . SENT Andrew NP Greenman NP , , founder NN and CC CEO NN of IN The DT Greenman NP Group NP Outstanding JJ Regional JJ Sales NNS and CC Marketing NP Council NP Under IN 350 CD members NNS . SENT Sales NNS Marketing NP Council NP of IN the DT Home NP Builders NPS Association NP of IN Portage NP Summit NP Counties NNS , , Akron NP , , OH UH Over IN 350 CD members NNS . SENT Triangle NP Sales NP Marketing NP Council NP , , Raleigh NP , , NC NP Bill NP Molster NP Award NN Ed NP Dunnavant NP , , MIRM NP , , American JJ METRO NN STUDY NN Corp NP . SENT Program NN Provides VVZ Builders NNS With IN Expertise NN on IN Electronic NP Systems NPS Technology NP AVAD NP , , LLC NP , , the DT country NN s PP pre NP eminent JJ electronics NN distribution NN company NN , , introduced VVD its PP$ newest JJS program NN Dealer NN to TO Builder NN D NP 2 CD B NN during IN last JJ month NN s PP International NP Builders NPS Show NP 2004 CD in IN Las NP Vegas NP . SENT The DT program NN is VBZ designed VVN to TO connect VV AVAD NP s PP qualified VVN dealers NNS with IN builders NNS across IN the DT country NN who WP want VVP to TO offer VV their PP$ customers NNS such JJ technologically RB advanced JJ products NNS as IN flat JJ panel NN video NN displays NNS , , 5 CD . SENT 1 CD surround NN sound NN and CC broadband NN Intenet NN access NN . SENT Builders NNS who WP enroll VVP in IN the DT program NN are VBP connected VVN to TO their PP$ nearest JJS Dealer NN to TO Builder NN certified JJ firm NN , , which WDT works VVZ directly RB with IN the DT builder NN to TO equip VV homes NNS . SENT AVAD NP is VBZ actively RB certifiying VVG electronic JJ systems NNS contractors NNS ESCs NP to TO meet VV all DT builder NN needs VVZ . SENT Pre NP designed VVD system NN packages NNS are VBP available JJ that WDT match VVP each DT type NN of IN home NN that IN the DT builder NN offers VVZ . SENT D SYM 2 CD B NN contractors NNS are VBP certified VVN by IN AVAD NP at IN two CD levels NNS . SENT At IN the DT Required JJ level NN , , installers NNS are VBP certified VVN to TO handle VV home NN theater NN , , distributed VVN audio NN and CC video NN , , lighting VVG control NN and CC structured JJ wiring NN . SENT Within IN a DT year NN of IN certification NN , , they PP must MD add VV central JJ vacuum NN , , telephone NN systems NNS or CC home NN networking NN . SENT Additionally RB , , Required JJ level NN dealers NNS must MD have VH at IN least JJS one CD CEDIA NP Level NP I PP certified VVN installer NN . SENT Contractors NNS achieving VVG Preferred JJ status NN are VBP qualified VVN in IN all DT seven CD tech NN categories NNS , , and CC must MD have VH at IN least JJS half PDT their PP$ staff NN certified VVN at IN CEDIA NP Level NP I PP , , plus CC at IN least JJS one CD Level NP II NP certified JJ installer NN . SENT Contractors NNS certified VVN at IN either DT level NN are VBP active JJ CEDIA NP members NNS , , and CC have VHP completed VVN additional JJ courses NNS designed VVN to TO make VV partnering VVG with IN builder NN firms NNS a DT seamless JJ process NN . SENT All DT participating VVG ESCs NP also RB complete VV AVAD NP s PP Basic NP Training NP , , which WDT covers VVZ accounting NN disciplines NNS , , licensing NN , , permits NNS , , insurance NN and CC more JJR . SENT In IN addition NN , , AVAD NP s PP selling VVG course NN , , Sales NP Staff NP Training NP teaches VVZ contractors NNS the DT specifics NNS of IN effectively RB communicating VVG with IN builder NN clients NNS . SENT AVAD VV s PP comprehensive JJ Model NP Home NP Program NP trains VVZ builders NNS sales NNS staffs NNS and CC provides VVZ marketing NN materials NNS such JJ as IN brochures NNS , , point NN of IN sale NN displays NNS and CC informational JJ videos NNS and CC DVDs NP potential JJ buyers NNS can MD take VV with IN them PP . SENT AVAD NP is VBZ now RB in IN the DT process NN of IN training NN dealers NNS and CC interviewing VVG prospective JJ builders NNS , , and CC the DT program NN is VBZ scheduled VVN to TO be VB fully RB launched VVN on IN April NP 1 CD . SENT To TO request VV more JJR information NN , , click NN here RB , , or CC call VVP 866 CD . SENT FOR IN . SENT AVAD NP . SENT Headquartered VVN in IN Fort NP Lauderdale NP , , FL NP , , AVAD NP is VBZ a DT member NN of IN the DT National NP Council NP of IN the DT Housing NP Industry NP the DT Supplier NN 100 CD of IN NAHB NP . SENT This DT feature NN is VBZ solely RB for IN educational JJ and CC informational JJ purposes NNS . SENT Nothing NN on IN this DT page NN should MD be VB construed VVN as IN policy NN , , an DT endorsement NN , , warranty NN or CC guaranty NN by IN the DT National NP Association NP of IN Home NP Builders NPS of IN the DT featured JJ product NN or CC the DT product NN manufacturer NN . SENT The DT National NP Association NP of IN Home NP Builders NPS expressly RB disclaims VVZ any DT responsibility NN for IN any DT damages NNS arising VVG from IN the DT use NN , , application NN or CC reliance NN on IN any DT information NN contained VVN on IN this DT page NN . SENT Sears NP Contract NP Sales NNS Signs NNS on IN as IN NAHB NP Exclusive JJ Membership NN Sponsor NN Signing VVG on IN as IN NAHB NP s PP first RB ever RB Exclusive JJ Membership NN Sponsor NN , , Sears NP Contract NP Sales NNS will MD be VB more JJR than IN tripling VVG the DT sponsorship NN dollars NNS it PP has VHZ contributed VVN annually RB since IN 1991 CD and CC will MD play VV an DT integral JJ role NN in IN strengthening VVG the DT association NN s PP membership NN and CC associate NN member NN programs NNS . SENT The DT partnership NN was VBD made VVN official NN during IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP . SENT The DT Sears NP sponsorship NN will MD enable VV NAHB NP to TO boost VV membership NN benefits NNS , , including VVG the DT implementation NN of IN an DT official JJ membership NN card NN , , new JJ opportunities NNS for IN member NN recognition NN and CC new JJ communications NNS designed VVN to TO help VV members NNS get VV the DT most RBS out RB of IN their PP$ membership NN . SENT Having VHG Sears NP Contract NP Sales NNS on IN board NN as IN our PP$ Official JJ Membership NN Sponsor NN is VBZ a DT great JJ opportunity NN for IN both DT of IN us PP , , said VVD NAHB NP President NP Bobby NP Rayburn NP . SENT Their PP$ involvement NN will MD enable VV us PP to TO implement VV value NN added VVD programs NNS for IN our PP$ members NNS at IN the DT local JJ level NN and CC at IN the DT same JJ time NN demonstrate VV to TO home NN builders NNS across IN the DT nation NN that IN Sears NP Contract NP Sales NNS is VBZ committed VVN to TO the DT future NN of IN our PP$ industry NN . SENT For IN the DT past JJ 12 CD years NNS , , Sears NP Contract NP Sales NNS has VHZ sponsored VVN NAHB NP s PP National NP Membership NP Day NP campaign NN , , a DT grassroots NNS member NN recruitment NN effort NN that WDT occurs VVZ each DT spring NN . SENT The DT Sears NP sponsorship NN for IN 2004 CD will MD provide VV financial JJ backing NN for IN National NP Membership NP Day NP on IN April NP 26 CD and CC a DT host NN of IN other JJ activities NNS serving VVG current JJ members NNS and CC local JJ associations NNS . SENT A DT portion NN of IN the DT sponsorship NN will MD also RB be VB directed VVN toward IN gathering VVG information NN from IN the DT membership NN that WDT will MD guide VV NAHB NP in IN its PP$ continued JJ efforts NNS to TO improve VV services NNS as IN the DT needs NNS of IN its PP$ fast JJ growing NN and CC diverse JJ membership NN base NN evolve VV . SENT As IN a DT long JJ standing NN and CC active JJ member NN of IN NAHB NP with IN more JJR than IN 200 CD account NN managers NNS participating VVG in IN their PP$ local JJ home NN builders NNS associations NNS , , Sears NP Contract NP Sales NNS is VBZ a DT well RB positioned VVN partner NN for IN NAHB NP . SENT This DT sponsorship NN reinforces VVZ Sears NP Contract NP Sales NNS commitment NN at IN the DT grass NN roots NNS , , regional JJ and CC national JJ levels NNS of IN NAHB NP , , said VVD Bill NP Collins NP , , Sears NP vice NN president NN general JJ manager NN of IN contract NN sales NNS , , referring VVG to TO the DT three CD for IN one CD membership NN each DT of IN NAHB NP s VVZ 215 CD , , 000 CD members NNS have VHP in IN their PP$ local JJ , , state NN and CC national JJ associations NNS . SENT For IN more JJR information NN about IN the DT 2004 CD Sears NP Contract NP Sales NNS Sponsorship NN , , or CC on IN any DT of IN NAHB NP s PP membership NN programs NNS , , e NN mail NN Emily NP Fitzsimmons NP or CC call VV her PP at IN 800 CD 368 CD 5242 CD x SYM 8354 CD . SENT Photo NN by IN Oscar NP and CC Associates NPS Washington NP Builders NPS Recognized VVD for IN Efforts NNS on IN Behalf NN of IN the DT Disabled JJ In IN recognition NN of IN its PP$ volunteer NN service NN on IN behalf NN of IN citizens NNS with IN disabilities NNS , , the DT Master NP Builders NPS Association NP MBA NP of IN King NP and CC Snohomish NP Counties NNS received VVD the DT 2004 CD Disability NN Initiative NP Award NN from IN NAHB NP and CC the DT National NP Organization NP on IN Disability NN N NP . SENT O NN . SENT D SYM . SENT during IN last JJ month NN s PP International NP Builders NPS Show NP in IN Las NP Vegas NP . SENT Through IN a DT grant NN from IN Aetna NP , , Inc NP . SENT , , the DT association NN received VVD a DT 1 CD , , 000 CD award NN . SENT The DT annual JJ award NN is VBZ administered VVN by IN N NP . SENT O NN . SENT D SYM . SENT s PP National NP Partnership NP Program NP . SENT The DT association NN was VBD honored VVN for IN its PP$ Rampathon NP 2003 CD , , a DT one CD day NN project NN last JJ May NP in IN which WDT its PP$ members NNS constructed VVN 21 CD wheelchair NN ramps NNS free JJ of IN charge NN for IN low JJ income NN , , disabled JJ citizens NNS in IN the DT Bellevue NP , , WA NP , , area NN . SENT Members NNS of IN the DT MBA NP Remodelors NP Council NP served VVD as IN ramp NN captains NNS , , and CC last JJ year NN s NN event NN turned VVD out RP to TO be VB the DT most RBS successful JJ yet RB in IN the DT program NN s VVZ 10 CD year NN history NN . SENT The DT goal NN of IN the DT Rampathons NP is VBZ to TO reconnect VV low JJ income NN disabled JJ citizens NNS to TO their PP$ neighborhoods NNS and CC work NN places NNS . SENT Ramp NN recipients NNS rely VVP on IN the DT ramps NNS as IN the DT primary JJ access NN to TO their PP$ homes NNS . SENT The DT Master NP Builders NPS Association NP of IN King NP and CC Snohomish NP Counties NNS has VHZ demonstrated VVN a DT tireless JJ dedication NN to TO the DT inclusion NN of IN citizens NNS with IN disabilities NNS who WP make VVP their PP$ homes NNS in IN those DT counties NNS , , said VVD Jerry NP Howard NP , , NAHB NP s PP executive JJ vice NN president NN and CC CEO NN . SENT I PP am VBP proud JJ to TO acknowledge VV their PP$ accomplishment NN of IN this DT monumental JJ task NN with IN this DT year NN s PP NAHB NP N NP . SENT O NN . SENT D SYM . SENT Disability NN Initiative NP Award NN . SENT The DT National NP Organization NP on IN Disability NN promotes VVZ the DT full JJ participation NN of IN America NP s VVZ 49 CD million CD men NNS , , women NNS and CC children NNS with IN disabilities NNS in IN all DT aspects NNS of IN life NN . SENT Founded VVN in IN 1982 CD , , N NP . SENT O NN . SENT D SYM . SENT is VBZ the DT only RB nationwide JJ network NN organization NN concerned VVN with IN all DT disabilities NNS , , all DT age NN groups NNS and CC all DT disability NN issues NNS . SENT For IN more JJR information NN about IN N NP . SENT O NN . SENT D SYM . SENT , , click NN here RB or CC call VV 202 CD 293 CD 5960 CD . SENT Aetna NP is VBZ one CD of IN the DT nation NN s PP leading VVG providers NNS of IN health NN care NN , , dental JJ , , pharmacy NN , , group NN life NN , , disability NN and CC long JJ term NN care NN products NNS , , serving VVG more JJR than IN 13 CD . SENT 0 CD million CD medical JJ members NNS , , 11 CD . SENT 3 CD million CD dental JJ members NNS and CC 11 CD . SENT 7 CD million CD group NN insurance NN customers NNS , , as RB of IN June NP 30 CD , , 2003 CD . SENT Mixed JJ Use NP Project NP to TO Transform VV Trenton NP Inner NP City NP Neighborhood NN A NP New NP York NP New NP Jersey NP based VVN developer NN was VBD given VVN approval NN to TO redevelop VV a DT section NN of IN an DT inner JJ city NN neighborhood NN in IN Trenton NP , , NJ NP . SENT The DT mixed JJ use NN development NN , , the DT largest JJS of IN its PP$ kind NN within IN Trenton NP , , will MD include VV 475 CD homes NNS and CC apartments NNS and CC commercial JJ development NN . SENT Leewood NP Village NP Center NP LVC NP was VBD granted VVN development NN rights NNS on IN Jan NP . SENT 7 CD to TO redevelop VV a DT 22 CD acre NN neighborhood NN in IN the DT city NN s PP South NPS Ward NP . SENT The DT project NN will MD include VV 355 CD townhomes NNS , , which WDT will MD be VB owner NN occupied VVN , , and CC approximately RB 120 CD apartments NNS . SENT According VVG to TO Michael NP Fink NP , , president NN and CC CEO NN of IN LVC NP , , approximately RB 80 CD of IN the DT townhomes NNS will MD be VB market NN rate NN , , with IN the DT remaining JJ 20 CD being NN affordable JJ housing NN . SENT The DT community NN will MD enable VV people NNS who WP otherwise RB could MD not RB afford VV to TO purchase VV their PP$ own JJ homes NNS to TO now RB be VB able JJ to TO afford VV the DT American JJ Dream NN , , said VVD Fink NP . SENT Their PP$ children NNS , , who WP were VBD previously RB living VVG in IN tight JJ conditions NNS , , will MD soon RB be VB living VVG in IN an DT environment NN that WDT will MD help VV get VV them PP to TO think VV about IN becoming VVG a DT doctor NN or CC lawyer NN or CC other JJ possibilities NNS . SENT LVC NP is VBZ owned VVN by IN Leewood NP Real NP Estate NP , , a DT New NP York NP based VVN company NN that WDT has VHZ redeveloped VVN communities NNS in IN once RB notorious JJ inner JJ city NN neighborhoods NNS such JJ as IN For IN Apache NP in IN the DT Bronx NP and CC Trenton NP s PP Battle NP Monument NN area NN . SENT Fink NP said VVD the DT project NN expects VVZ to TO break VV ground NN in IN 12 CD 15 CD months NNS and CC will MD have VH a DT five CD year NN build VVP out RP . SENT Help VV Build VV This DT Year NN s PP Family NP Build VV Home NP for IN a DT Mother NP of IN Three CD Volunteers NNS are VBP needed VVN to TO help VV build VV this DT year NN s PP Family NP Build VV home NN for IN a DT mother NN of IN three CD who WP works VVZ as IN a DT school NN security NN officer NN in IN Washington NP , , D NP . SENT C SYM . SENT Family NN Build VV , , in IN conjunction NN with IN DC NP Habitat NN for IN Humanity NN , , will MD be VB conducted VVN from IN April NP 24 CD 29 CD during IN the DT NAHB NP Spring NP Board NP of IN Directors NPS meeting NN , , and CC members NNS and CC theirs JJ spouses NNS are VBP encouraged VVN to TO help VV for IN as IN many JJ days NNS as IN they PP can MD . SENT This DT is VBZ the DT second JJ year NN that IN NAHB NP has VHZ conducted VVN Family NP Build VV . SENT Last JJ year NN , , the DT Seniors NNS Officers NNS wives NNS , , several JJ area NN members NNS and CC their PP$ spouses NNS , , a DT past JJ NAHB NP CEO NP and CC Home NP Builders NPS Institute NP Job NP Corps NP students NNS helped VVD build VV four CD homes NNS in IN the DT Washington NP D NP . SENT C SYM . SENT suburb NN of IN Forest NP Glen NP , , including VVG a DT home NN for IN the DT Ovalles NP family NN , , who WP helped VVD build VV their PP$ own JJ home NN . SENT Transportation NP will MD be VB provided VVN to TO and CC from IN the DT job NN site NN . SENT Lunch NN and CC t NN shirts NNS will MD also RB be VB provided VVN . SENT No DT building NN experience NN is VBZ required VVN . SENT There EX will MD be VB tasks NNS for IN all DT job NN levels NNS , , building VVG skills NNS and CC abilities NNS . SENT For IN more JJR information NN or CC to TO volunteer VV , , click NN here RB or CC contact VV Shari NP Smith NP at IN 800 CD 368 CD 5242 CD x SYM 8308 CD . SENT Make VV Your PP$ Connection NN With IN www NP . SENT nahb NN . SENT org NNS Make VVP your PP$ connection NN to TO the DT latest JJS housing NN industry NN news NN and CC information NN with IN www NP . SENT nahb NN . SENT org NP the DT official JJ public NN and CC members NNS only JJ Web NP site NN of IN NAHB NP . SENT Log VV in IN today NN to TO register VV for IN educational JJ seminars NNS , , meetings NNS and CC networking NN events NNS . SENT find VV important JJ economic JJ and CC housing NN data NNS . SENT and CC learn VV the DT latest JJS developments NNS in IN NAHB NP s PP efforts NNS to TO promote VV housing NN . SENT It PP s PP all RB available JJ to TO you PP 24 CD hours NNS a DT day NN at IN www NP . SENT nahb NN . SENT org NP . SENT Just RB click NN the DT Member NP Log NN In IN button NN to TO get VV started VVN . SENT If IN you PP are VBP a DT member NN and CC need NN information NN about IN NAHB NP products NNS and CC services NNS , , use VVP the DT NAHB NP Staff NP Contact NP Directory NN to TO look VV up RP the DT direct JJ telephone NN extensions NNS for IN NAHB NP staff NN experts NNS . SENT California NP Executive NP Recruiter NN Named VVN NAHB NP Associate NP of IN the DT Year NP Lee NP Terry NP of IN Lee NP Terry NP Associates NPS in IN San NP Mateo NP , , CA MD , , has VHZ been VBN named VVN the DT 2003 CD NAHB NP Associate NP of IN the DT Year NN . SENT The DT award NN is VBZ NAHB NP s PP highest RB honor VV to TO an DT associate NN member NN in IN recognition NN of IN exemplary JJ association NN service NN , , industry NN accomplishments NNS and CC civic JJ responsibility NN . SENT 2003 CD NAHB NP President NP Kent NP Conine NP presented VVD the DT award NN to TO Terry NP at IN the DT Jan NP . SENT 21 CD Board NP of IN Directors NPS meeting NN during IN The DT International NP Builders NPS Show NP in IN Las NP Vegas NP . SENT Terry NP was VBD chosen VVN from IN candidates NNS nominated VVN by IN their PP$ states NNS to TO represent VV their PP$ associate NN membership NN . SENT A DT panel NN of IN five CD judges NNS reviewed VVN and CC scored VVN the DT nominations NNS , , selecting VVG the DT five CD top JJ candidates NNS for IN induction NN into IN the DT NAHB NP Society NP of IN Honored VVN Associates NNS , , and CC naming VVG Terry NP , , as IN the DT highest JJS scoring VVG candidate NN , , NAHB NP Associate NP of IN the DT Year NN . SENT The DT other JJ associate NN members NNS who WP were VBD inducted VVN into IN the DT Society NP of IN Honored VVN Associates NNS are VBP . SENT Tom NP Board NP , , O NP . SENT C SYM . SENT Cluss NP Lumber NN Company NN , , Fairmont NP , , WV NP . SENT James NP Goodwin NP , , Complete JJ Home NP Concepts NNS , , North NP Kansas NP City NP , , MO NN . SENT Harlan NP Holsing NP , , Saginaw NP Bay NP Underwriters NP , , Bay NP City NP , , MI NN . SENT and CC Robert NP David NP Sanders NP , , Sanders NP Engineering NP , , Inc NP . SENT , , Bixby NP , , OK UH . SENT Terry NP has VHZ served VVN on IN the DT Home NP Builders NPS Association NP of IN Northern NP California's NP Board NP of IN Directors NPS for IN six CD years NNS and CC has VHZ chaired VVN many JJ of IN its PP$ committees NNS . SENT She PP has VHZ also RB been VBN named VVN the DT HBA NP of IN Northern NP California NP s PP Spike NP of IN the DT Year NN , , Associate JJ of IN the DT Year NN and CC Service NN Provider NN of IN the DT Year NN . SENT Terry NP has VHZ twice RB been VBN president NN of IN the DT California NP s PP Women NP s PP Council NP and CC she PP is VBZ a DT trustee NN of IN the DT California NP Building NP Industry NP Foundation NP . SENT She PP is VBZ the DT director NN of IN her PP$ state NN s PP Coalition NP for IN Construction NP in IN the DT Classroom NN and CC was VBD honored VVN by IN a DT Senate NP Resolution NP commending VVG her PP$ efforts NNS on IN behalf NN of IN the DT building NN industry NN . SENT In IN 2001 CD , , Terry NP was VBD inducted VVN into IN the DT Society NP of IN Honored VVN Associates NNS . SENT She PP is VBZ the DT chair NN of IN NAHB NP s PP Women NP s PP Council NP and CC played VVD a DT key JJ role NN in IN the DT development NN of IN the DT council NN s PP new JJ magazine NN , , Building NP Women NP . SENT In IN 1998 CD the DT council NN named VVD her PP$ Woman NP of IN the DT Year NN . SENT She PP has VHZ served VVN on IN NAHB NP s PP Education NP Committee NP and CC Associate NP Members NPS Committee NP , , and CC is VBZ a DT member NN of IN BUILD VV PAC NP s PP Capitol NP Club NP . SENT Terry NP is VBZ an DT executive JJ recruiter NN specializing VVG in IN recruiting VVG executives NNS and CC key JJ personnel NNS for IN the DT home NN building NN industry NN . SENT A DT Certified NP Personnel NP Consultant NN and CC Certified NP Employment NP Specialist NN , , she PP has VHZ received VVN numerous JJ awards NNS for IN outstanding JJ service NN from IN personnel JJ industry NN associations NNS and CC has VHZ written VVN many JJ articles NNS on IN employment NN issues NNS , , labor NN shortages NNS , , workforce NN diversity NN and CC hiring VVG techniques NNS . SENT Calendar NN of IN Events NNS DATE NN EVENT NN LOCATION NN March NP 14 CD 16 CD , , 2004 CD National NP Green NP Building NP Conference NP Austin NP , , TX NP March NP 21 CD 23 CD , , 2004 CD 2004 CD Log NN Home NN Councils NNS President's NP Tour NN Bangor NP , , ME FW March NP 28 CD 30 CD , , 2004 CD 2004 CD NAHB NP Multifamily JJ Pillars NP of IN the DT Industry NP Conference NP Awards VVZ Palm NP Springs NP , , CA MD April NP 14 CD 16 CD , , 2004 CD Building NN for IN Boomers NNS Beyond IN . SENT 2004 CD Seniors NNS Housing NP Symposium NN Chicago NP , , IL NP April NP 21 CD , , 2004 CD Spring NP Construction NP Forecast VVD Conference NP Washington NP , , DC NP April NP 28 CD , , 2004 CD NAHB NP Legislative JJ Conference NP Washington NP , , DC NP October NP 7 CD 9 CD , , 2004 CD The NP Remodelers NNS Show NP Chicago NP , , IL NP October NP 27 CD , , 2004 CD Fall NN Construction NN Forecast VVN Conference NP Washington NP , , DC NP October NP 31 CD November NP 3 CD , , 2004 CD Building NP Systems NP Councils NNS SHOWCASE NN Austin NP , , TX NP November NP 4 CD 6 CD , , 2004 CD State NP Local NP Government NP Affairs NPS Conference NP Biloxi NP , , MS NN November NP 12 CD 14 CD , , 2004 CD Custom NP Builders NPS Symposium NN Indian NP Wells NP , , CA MD To TO view VV more JJR meetings NNS events NNS information NN on IN the DT NAHB NP Web NP site NN , , click NN here RB . SENT Make VV Your PP$ Connection NN With IN www NP . SENT nahb NN . SENT org NNS Make VVP your PP$ connection NN to TO the DT latest JJS housing NN industry NN news NN and CC information NN with IN www NP . SENT nahb NN . SENT org NP the DT official JJ public NN and CC members NNS only JJ Web NP site NN of IN NAHB NP . SENT Log VV in IN today NN to TO register VV for IN educational JJ seminars NNS , , meetings NNS and CC networking NN events NNS . SENT find VV important JJ economic JJ and CC housing NN data NNS . SENT and CC learn VV the DT latest JJS developments NNS in IN NAHB NP s PP efforts NNS to TO promote VV housing NN . SENT It PP s PP all RB available JJ to TO you PP 24 CD hours NNS a DT day NN at IN www NP . SENT nahb NN . SENT org NP . SENT Just RB click NN the DT Member NP Log NN In IN button NN to TO get VV started VVN . SENT If IN you PP are VBP a DT member NN and CC need NN information NN about IN NAHB NP products NNS and CC services NNS , , use VVP the DT NAHB NP Staff NP Contact NP Directory NN to TO look VV up RP the DT direct JJ telephone NN extensions NNS for IN NAHB NP staff NN experts NNS . SENT