Robert Menendez actually said...

"Thank you, Mr. Chairman."

"Well, finally, Mr. Chairman, as someone who supported and voted for the legislation, it seems to me that I have a different vision, and I think many of us share that vision, of what your mandate is."

"So it seems to me that if we were looking at how do we deal with mitigation if we were looking at a more aggressive borrower outreach and response, which we have written letters to you about and which..."

"I hope that we are adopting policies that give us long-term growth in the housing market, which is going to be part of our solution."