Richard Shelby actually said...

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 helpe...

I believe our immediate attention should be to help those most in need who can be helped and are willing to help themselves.

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

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