Robert Menendez actually said...

"It is very simple. All the training in the world--there is one simple statement to anyone who works for you. You do not have to be delinquent in order to be eligible for the program."

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

"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?"

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