Appraisers were coming back with so many annoying conditions that FHA financing had problematic.

The use of the word 'annoy' is particularly problematic. What's annoying to one person may not be annoying to someone else.

What the goal of that financing was is something now coming under close scrutiny.

We're approaching oversold conditions, but then we've been getting data that has been coming in strong and which in one way justifies this.

Arizona now has one of the most innovative systems of financing school construction in the nation.

If we're financing our program ourselves, then we know our money's going to our program.