I have been calling for this for a while--is the creation of a homeowners advocate within the Treasury.

The question is HAMP is designed to deal with families facing foreclosure.

You designed it around servicers who--I wrote it down when you said it. Servicers have done a terrible job.

We must also evaluate whether Treasury has diligently measured the impact of its efforts, using credible metrics to measure the success or the failure of its programs.

Do you have any concerns about what this means? Now we are doing commercial real estate. Now we are moving on to second mortgages?

I am sorry, Mr. Secretary. Just so we are all clear on this, the numbers about concentrations of commercial real estate come from the banks' examiners.

How can you be confident about the stability of these financial institutions without re-running the stress tests?

What I am hearing you say is, no reason to change anything. We will stay steady on the same course.

Is that a successful program?

What is the metric for success?

I think your point about the accomplishments of TARP are quite significant and your emphasis on the importance of a stable, functional financial system is what I would like to talk about.

Our latest reports have covered a great deal of territory from the Government's interventions in specific companies such as GMAC and AIG.