This link will take you to the Pence & Freese 2010 Baldrige Application (They earned the Baldrige Award for Performance Excellence for the small business category) The application at the below
Senate banking committee leaders reach agreement on plan to abolish Fannie Mae, Freddie Mac
The federal government would guarantee mortgages after private investor take first losses on nonperforming loans
The highest ranking Democrat and Republican on the Senate banking committee have agreed on a plan to abolish mortgage giants Fannie Mae and Freddie Mac, and fundamentally change the way the U.S. finances the housing sector. Under the plan, the government would guarantee mortgages, but only after the first losses on nonperforming loans are taken by private investors. The senators now face the challenge of building a broad base of support.