Christopher Dodd actually said...

"I think it is critically important that the very people we are trying to help here understand what this is and how it works and what they need to do and can do."

"Could you share with us briefly why you decided to opt for the affordable payment plan rather than the principal reduction plan?"

"Are we adequately covering the second--are we going to be able to deal with the second lien holders?"

"The safe harbor, I think, is critical."