"I'm very skeptical of this, " says Bert Ely, a banking regulation consultant in Arlington, Va.

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One of her loudest public critics is Bert Ely, a consultant to financial institutions.

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Banking consultant Bert Ely said Fannie Mae and Freddie Mac typically hold huge amounts of debt.

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"They usually don't hold up too well, or too long, " says Bert Ely, a banking analyst.

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"The banking industry has the resources to pay the bills, " says Bert Ely, a bank regulation consultant in Alexandria, Va.

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Bert Ely, an analyst in Virginia, reckons that almost half of Freddie Mac's and Fannie Mae's debt matures in less than 12 months.

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Mineola Johnson's DNA type is "a fairly common type found in sub-Saharan Africa, " according to Bert Ely, a molecular geneticist and professor at the University of South Carolina.

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Bert Ely, a Virginia-based financial services expert, thinks so.

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