Christopher Bond said...

But you are seeing only the younger ones with PTSD and TBI, the success rates, the bottom line that Mr. Norman referred ...

The only thing I would add, I took a very high-level law school course on banking and bankruptcy.

Foreclosure counseling is not good enough. There has got to be pre-purchase counseling before somebody buys a home.

And I join you in welcoming all of our witnesses today.