Robert Menendez actually said...

So stopping homeowners from refinancing into lower-cost loans where they are less likely to default harms both homeowners and taxpayers and ...

the Responsible Homeowner Refinancing Act, that was introduced by Senators Menendez and Boxer.

I do believe this is one of our challenges in moving forward, and that survey made it pretty clear that these are elements of a real challen...

And I would assume that that sharing of information at the end of the day is critical, (1) for the patient, and (2) also for savings.