I should say Treasury is still not considering the panel's recommendation to put the shares of stock of the auto industry and the large financial institutions in trust?

So they will be gone by the end of the year.

We should expect to see essentially either a dollar-for-dollar improvement in their lending or with leverage from private investment, a better than dollar-for-dollar improvement in small business lending.

Public policy should be about minimizing foreclosures for the same reasons it should be about minimizing child abuse or protecting the public health or educating our children.

The fact that a lender can throw a family out of their home is a necessary part of a system of lending, but it is also an act of emotional violence and economic destruction.

Foreclosure should be the last option after everything else fails.

Taxpayer dollars must never be used again to prop up failing companies that are then allowed to profit at taxpayer expense.

Congress should end the era of 'Too Big to Fail' by restoring a credible threat of failure for the largest financial institutions.

I am pushing to say we could do more, and as a leader in the TARP program that has made this $50 billion commitment, I am asking you to do more.

I am less confident that we have adequately arranged for the death of financial institutions that need to fail.

Until we find a way or commit ourselves to a way to say, one way or the other, we are resolving those assets on the books of the banks...