Richard Durbin actually said...

I started on this trek more than 2 years ago, and I gave a very ominous forecast that if we did not do something quickly in 2007, we could f...

This is no longer a subprime crisis. This is a national foreclosure crisis.

This issue still remains, I think, at the core of the weakness of our economy.

The question is whether you have an adequate income to even pay the restructured loans based on the assets you would bring into bankruptcy.