Robert Menendez actually said...

What you have done in your plan is laid out specific guidance that every regulator agrees to.

I think the housing plan that you and Tim Geithner and, of course, the President put together is really a home run.

Many, many servicers have agreed to start refinancing the mortgages and they feel they are protected by the guidance that you have issued.

Mr. Secretary, I defy anyone to suggest that these cases were somehow the exception, that these were aberrational.