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 what were your projections?

We will be naming names. We will be naming individual banks against more than five of these different service measures starting in early December.

We are about keeping pace at least, and maybe ahead of, the foreclosure rate for that population.

And I would like all the children to be above average, but that is not the world we live in.

So the question I am asking is what is your projection on the proportion that will make it from temporary modifications to permanent modifications.

What is your projection?

Senator Warner in particular suggested the idea of essentially, as we have done in some of the credit markets, just effectively bypassing the bank credit system and moving TARP money directly to small business with private sector managers.

I worry about two facts.

But surely, we do not need a whole TARP apparatus to be----

Are you saying it is not lawful for the Secretary of the Treasury to put the shares of stock in Chrysler and GM into trust?