Robert Menendez actually said...

My patience is quickly dissipating, so I look forward to seeing what we are going to do in that respect.

There clearly were incentives on the positive side to induce and help the servicers to do what we would want them to do in loan modification...

There has to be some action upon servicers that consistently have this MO.

plenty of people, plenty of entities I know, they have the confidence in their business and their business plan to borrow. The only thing is...