Zoe Lofgren actually said...

it is not bad motives. It is good motives, but it ends up in a place where we are today that is dysfunctional in many ways.

The voluntary program is not working.

We saw record number of foreclosures in June, nearly 300,000 according to the figures I have seen.

This mismatch means real trauma for individuals, but it also means a disaster for the American economy.