It's essential that we take very firm and strong action at the Federal level.

I hope someday legislation will be passed to protect people like us.

These are policies and financial funding and incentives have to come at the national level, and that's why we also have to deal with issues around federal preemption.

Prince George's County is a vivid example that, right in the backyard of our nation's capital, the foreclosure crisis is here, and growing.

The voices of consumers and the voices of civil rights protection need to move away from the kid table to the front table.

Federal preemption is also inhibiting the solution.

It's important to get that--the stories, right from the ground.

We've also had many cases where we have not been able to make progress, which is why it's essential that we move forward more aggressively on that front.

We all need to get behind that plan.

We need those benchmarks and we really need to tie the productivity in meaningful modifications and by that, I mean principal reductions.

I think we all know that people with second homes, people with yachts, real estate speculators and others can currently go into bankruptcy court.

I cannot tell you exactly. By the way, the $115 is per ton of CO2, not carbon.