Max Miller actually said...

It is important that we complement what the private sector is already developing and that we leverage the work being done by our sister Serv...

The population of homeowners who today are underwater on their mortgages... is a missed opportunity.

I think that if we have both a top-down and a bottom-up approach, we will be able to get a much richer set of models that are workable much ...

I would be obviously remiss if I didn't take you up on the opportunity to ask for more resources, which we could certainly use.