Now, Rhode Island doesn't have a death penalty. We gave it up years ago after a murder back in 1850.

I'm just wondering what your observations are as prosecutors about the extent and the merits of additional procedural protections in death penalty cases.

I don't believe that those standards exist around the Nation.

You have perceived a distinct difference between the local banks and the big national banks in terms of the quality of the interaction between your clients and customers and them.

So the servicer might be looking at financial outcomes for the servicer that are better if the homeowner goes into foreclosure than they are if they continue to work with the homeowner and put them back onto a salvageable footing?

That's not a sign of a very trusting relationship with your servicer, is that correct?

Thank you, Senator Whitehouse, for giving us this opportunity to testify today.

Unfortunately, these efforts proved fruitless.

That's a lot of stress, and losing a home is about as stressful as you can get.

That's a very interesting kind of help when a person is struggling with a mortgage payment, isn't it?

As Ms. Bodington said, these are tough times in Rhode Island and a lot of families are struggling.

All evidence at this hearing to the contrary.

Thank you very much. Finally Mr. Rao.

It is a point worth making in this hearing and in our community that to the extent local banks are involved...

do you feel that they were being cooperative and helpful on the other end of this?

I think I will call this hearing to a conclusion.

Democrats in Congress led by Senator Durbin of Illinois tried unsuccessfully to include in the TARP legislation a provision that could have kept millions of families in their homes at zero cost to taxpayers.

Wall Street won and Main Street lost.