Mike Johanns actually said...

But if the only option is for these people who are in default or have missed payments, if the only option is bankruptcy, they will probably ...

I hear what you are trying to say, and I think you are trying to assure me that, Mike, it isn't going to be that bad.

I suspect in his State they have identical problems as we do: just a lack of services in the rural areas.

VA has made incredible strides, I believe, over the last few years.