Robert Menendez actually said...

The servicers are the ones who constructed these forms, which makes me concerned about whether or not the interest was to make it as clear a...

The success of the foreclosure review program is one of the factors in the recovery of our Nation's housing market.

If we do not remain committed to transparency, consistency, and accountability, the foreclosure reviews will be toothless.

But by the same token, a baseline which you then go on to say does not override the independent judgment is not really a baseline.