I hope someday legislation will be passed to protect people like us.

It's important to get that--the stories, right from the ground.

It's essential that we take very firm and strong action at the Federal level.

I think we all know that people with second homes, people with yachts, real estate speculators and others can currently go into bankruptcy court.

We need those benchmarks and we really need to tie the productivity in meaningful modifications and by that, I mean principal reductions.

The voices of consumers and the voices of civil rights protection need to move away from the kid table to the front table.

This is not enough. The programs that are in existence actually are geared toward people who are already in a state of trouble, and not looking ahead.

The impact is really devastating on communities like mine and across the State.

I appreciate that you are here, because here in Prince George's County we really are at the center of the storm in our State.

For some time I had called for the Troubled Asset Relief Program funds to be used to mitigate foreclosures.

I was advocating for the use of principal reductions in loan modifications.

If you prepare and educate and have a plan before an event occurs, it happens a lot better.

It shows the enthusiastic support that Mr. Gensler enjoys from the Maryland delegation.

I am curious. Before the last year or two, when you must have fully expected that the moratorium would have remained in place...

I like the carbon price as the tuning knob because it is a stable one with a linear, while in the case of caps, there is too much volatility.

Thank you, Mr. Chairman. Let me thank all of our witnesses for their testimony.

For you, Dr. Ekwurzel, Dr. Hansen has proposed that in order to address the price impact on the consumer, you essentially have a rebate, a 100 percent rebate.

I cannot tell you exactly. By the way, the $115 is per ton of CO2, not carbon.