Robert Menendez actually said...

"Well, as someone who has been a strong advocate in a different context of being able to allow mortgage borrowers to refinance at historically lower levels, it seems to me that we should find the where..."

"So, the question is: Is there a way to enhance, I mean you mentioned some of the Web sites, are there other opportunities in which we can get, you know, financial aid departments to be more robustly e..."

"Thank you, Mr. Chairman."

"it exposes to me a culture of greed, a culture of cheating, of lying, at least at one large bank, and probably many more."