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Because he was warning Congress that there was problems down the roads, especially with Fannie Mae and Freddie Mac.
因为他之前就向国会发出警告,说现行做法存在问题，特别是房地美和房利美。
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So people that are being kicked out of their apartment, or they can't afford a place to live,
所以，针对那些房屋被没收的人，或者是买不起房的人，
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Now they are falling and in real terms home prices have fallen almost 10% since the peak in 2006.
从2006年房价格最高点算起,现在房价已经,下跌了将近 10%
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And they always had latrines and baths, and you'd have the cold room where you'd have cold water, you'd have the tepid room where you'd have kind of lukewarm water, and you'd have the hot room where you'd have hot water.
通常都会有公共厕所和浴室，有提供冷水的冷水房，提供温水的温水间，还有提供热水的热水间。
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And so ,therefore if people want more houses in Dallas or Huston, the builders just build more houses, t rise.
所以说,如果在达拉斯和休斯顿要更多住房，建房者就建更多的房，房价不会上涨，and，the，prices，didn’
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So there's a German house and a French house and a Spanish house and an international house,
所以有德国房和法国房和西班牙房和一个国际房，
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Now, maybe the one-room metaphor is not the best metaphor, because it immediately prompts the question, "Well, what's on the other side of the wall?"
也许一间房的比喻并不是最好的,因为它立刻会引出这个问题,墙的另一边是什么呢
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I do not think it's going to fit in this room.
我觉得没法把它放进这间房，
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And Ivy room which is underneath the Ratty,
还有Ivy房，在Ratty下面，
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I'll just mention--I want to mention a couple other institutions that are very important in real estate and those are Fannie and Freddie.
我想介绍一下,在房地产行业中非常重要的,两个机构,房利美和房地美
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Everyone was scrambling to get a house before they shut down the housing market.
人人争先恐后,就是为了赶在房地产市场关闭前买到房
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It tells how--there's a conforming loan limit that is a limit on how much Fannie and Freddie -how big a mortgage they can make to one homeowner.
两者都有一个贷款限额标准,也就是限定房利美和房地美,面向单个购房者的抵押贷款额度
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If you just saw the news yesterday, Fannie Mae is predicting, well, they are predicting that Fannie Mae is going to make huge losses in their latest earning statement.
如果你看了昨天的新闻,房利美预计,他们估计,房利美最新一期的损益表上,将会显示一大笔亏损
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There are critics of Fannie and Freddie who say, the government guarantee doesn't sound right because why is the government guaranteeing a private company?
房利美和房地美的评论家们认为,政府担保听起来有点不对劲,政府为何要担保一个私人企业呢
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Technically, Fannie and Freddie are private companies -they're traded stocks; you can buy shares in Fannie and Freddie.
技术上,房利美和房地美都是私人公司,它们的股票可流通,你可以购买房利美和房地美的股票
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Congressman Barney Frank of Massachusetts speaking in 2003 quote I would like to get Fannie and Freddie more deeply into helping low income houses.
国会议员，巴尼，弗兰克,马萨诸塞州议员，2003年说,我想让房利美和房地美，“,更深入地,帮助低收入者。
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and then there's a plain house, which isn't a cultural house. That's just what I'm in.
还有一个普通房，不是文化房。我就住在那里。
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When you call Fannie Mae an Freddie Mac s the term? Explain what that means.
当您说房地美和房利美,是什么意思，能解释一下吗，what’
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It was just part of the new President Bush's plan to increase the conforming loan limits on Fannie and Freddie to allow them to lend at a higher price.
小布什总统的政策之一就是,增加房利美和房地美的贷款限额,以便让他们可以在高房价下继续贷款
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so ta retail bank sells the mortgage and then the retail banks flips it to Fannie Mae and Freddie Mac which essentially package huge numbers of the mortgages across the countries.
所以商业零售银行发行贷款，they…,然后商业零售银行将贷款转手,卖给房地美和房利美,事实上是收集了,大量的,全国的房贷。
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People on Wall Street found that difficult to say -Federal National Mortgage Corporation- so they nicknamed it Fannie Mae; it sounds like a woman's name.
华尔街的人觉得这名字很拗口,联邦,国民,抵押,贷款,协会,所以给它起了个昵称,房利美,这听起来像个女性名字
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Fannie Mae and Freddie Mac what did they do and what role did they play?
房地美和房利美,这两家公司的职能是什么？
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But nobody believes the government when they say that because people say, surely the U.S. Government is not going to allow Fannie and Freddie to fail.
但是没人相信政府表态,因为人们觉得美国政府肯定不会,让房利美和房地美倒闭的
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He was trying to make the conservative free market position more palatable for voters as a whole, and this is the one thing which he did so.
他试图,让共和党的自由市场理念,更加容易被选民们接受，让民众买得起房就是他的做法之一。
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Congress thought that these people could be given more money to operate if someone would buy the mortgages from them, so Fannie Mae started doing that in 1938.
国会认为若从他们那买走抵押贷款,他们就有更多资金去发放贷款,因此房利美从1938年开始运作
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But of course, there's a different possible explanation-- the one-room explanation.
当然,还有另一种可能的解释,一间房的解释
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So if all of these is perfectly understandable from the standpoint of Congressman Barney Frank, So is his recent statements that he wants the Fannie and Freddie to lower the lending standards to condos now.
所以如果这一切都是可以理解的话,从巴尼，富兰克林的角度看，他最近的言论,他希望房利美和房地美,降低购买高级公寓的借款标准。
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The reason they call them boiler rooms is, if you are selling stocks by telephone there's no reason to rent a nice office, so you get the cheapest -so you put a whole bank of telephones in the cheapest place.
它之所以被叫做锅炉房是因为,如果通过电话进行买卖交易,你没有必要去租一间漂亮的办公室,于是你租了最便宜的出租房,然后在那儿放满电话
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So, the government created competitors and it privatized them so that both Fannie and Freddie became what are called GSEs -these are Government Sponsored Enterprises.
政府先培育一些行业竞争者,然后再让它们私有化,于是房利美和房地美,成为了所谓的GSEs,即政府支持企业
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In other words, banks may lend to you or to me re risky borrowers but they sell the mortgages to Fannie Mae or Freddie Mac they get their money right then and there.
换句话说，银行可能借钱给我们,知道我们的信用度不高，knowing，that，we’,但是银行把贷款卖给,房地美和房利美,转手就拿到现钱。
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