"There is little to inspire confidence in the balance sheets of the banks, and the health of small and mid-sized banks remains a very serious concern."
"Ninety-nine of these banks have failed so far, as you know, and we have more than 400 on the watch list."
"On regulatory reform, the very rules that will prevent this crisis from happening again, that process is just starting."
"I will be even happier the day when we are put out of business because this process is complete and there is no more TARP."
"So then let me see if I can understand this the other way."
"So let me just then, if I can--I want to drill in a little bit on the principal program here."
"And we are very glad to see those changes. We are very pleased."
"But I thought they were only in the trial part for three months. So why can we not tell it on the 91st day how many people are making into permanent modifications?"
"All right. But from this point going forward, it cannot take you more than a couple of months. I mean, they are into the pipeline."
"So what were your projections?"
"But you had a number."
"But you do understand to engage in oversight, we need to understand your numbers and the projections here so we can see if this is working even on your assumption."