Robert Menendez actually said...

"We need legislation that is essentially a 'use it or lose it' bill."

"So, really, what the problem is is that the person who the counselor may be speaking to on the phone is not the person who is going to make the decision about whether that loan modification is approve..."

"Well, my thanks to all of you for some very, very worthwhile and helpful insights."

"Thank you for the insights."