Don, here's one example that might help an Alaskan about to lose their home.  AHFC is financially strong enough to not only help people get loans for a home, they also could use that financial strength to give someone in foreclosure a little more time or even participate in a refinance.  The Legislature could enable that with a few sentences and no additional funding would be required.  AHFC would help folks move in to helping them avoid being thrown out.  I'm sure others could come up with many better ideas of how to help fellow Alaskans in economic distress.