Darrell Issa: “So my closing question to all of you is--and by the way, I will talk a little more about the questions afterwards, but…”

“So my closing question to all of you is--and by the way, I will talk a little more about the questions afterwards, but is not what we should have looked at from day one, all the way back when the mortgage rates started going down in 2008, the ensuring that people, even if they are underwater, could take advantage of the affordability that was coming and reasonably expected within their mortgages through refinancing to prevailing rates that were lower?”