Richard Durbin actually said...

Regardless of what we call it, the name we put on it, we want to make sure that it's being watched carefully and spent wisely, and that ther...

I think the current pay structures are incentivizing servicers to either not modify or just continue with their behavior.

Before you go further, I'll just say, that was one of the motives behind the bankruptcy change.

And we're going to do it by-- bank by bank.