Mike Johanns: “It is extremely unlikely that the taxpayers are going to get a full return on their TARP investment.”

Somehow we have got to figure out a better way, because at the most important time in this person's life, when they are crying out for help, it should be a simple, straight-forward pathway to access that help.

I just hope we are not over-engineering something here.

Our job is to try to figure out how we deal with that puzzle, that very difficult issue of how to provide services to people who need it.

Thank you, Mr. Chairman.