Robert Menendez actually said...

"I am going to share some cases with both of you."

"No, thank you very much for sharing your story, and I am sorry for your wife's loss."

"What policy responses do you think make sense based upon those findings?"

"You testified that servicers have incentives that keep them from forgiving principal, even when doing so might be better for the investor as well as the homeowner. How do you explain that?"