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About tlhie Autlhiaiir, <br />Before Joining Fannie Mae, Mdlwain was the managing partner of the Washington law <br />offices of Powell, Goldstein, Frazer, and Murphy, where he represented broad range <br />of clients in the single- and multifamily housing areas. Mdlwain received a law degree <br />from New York University, where he worked for the New York Universit.y Law Review and <br />was a John Norton Pomeroy Scholar. He received a bachelor of arts degree, cum laude, <br />from Princeton University. <br />Matthew Johnston and Sarah Jo Peterson provided invaluable help in researching this <br />paper. In addition, Maureen McAvey and UL| senior fellows Ed McMahon, Tom Murphy, <br />and Michael Horst reviewed the paper and offered valuable ideas and insights, as did <br />Knox Mdlwain, associate, Cleary Gottlieb Steen & Hamilton LLP. The ideas, predictions, <br />and opinions, as well as any mistakes, remain those of the author. <br />