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

Is that a successful program?

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

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

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.

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

The financial problems of these banks are straining their ability to lend to small businesses that might otherwise be driving the economic recovery.

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.

I have a feeling I am going to hear the same answer, but let me just try it again with second liens.

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

I understand all this.