Richard Shelby actually said...

"Mr. Chairman, if I could ask one more question on lender payments."

"Unfortunately, I believe the proposal is long on good intentions and short on providing a credible solution for our ailing housing market."

"I believe, however, that it does so at considerable cost to the taxpayer and mainly serves as a further bailout to the very banks that helped us get into our current condition."

"Until we have a firm understanding, Mr. Secretary, of what is driving foreclosures, I believe assistance plans will continue to be ad hoc and uninformed, for the most part."