Robert Menendez actually said...

"Thank you for inviting me to testify today."

"I do not think it ultimately ends up being that simple, because the one thing for certain, having been a banker for most of my career, is if I do not keep that first performing, I am going to get wipe..."

"Their failure to allow principal reductions to happen, I believe, is ultimately costing the American taxpayers money."

"There was a lot of moral hazard when, because of systemic risk to this entire country's economy, we had to go in and resolve for every American taxpayer."