You need to give me a verbal response for the record.

But a baseline does not suggest you cannot do better.

Well, but if they devised the form and that is the form that was sent, would you not say they were pretty much in control of that?

They deserve, clearly, relief.

Is the judgment going to be, well, I read their narrative and there is nothing to back up their narrative, so, therefore, sorry, we do not think you qualify?

Well, that would be important, because just knowing the structure without knowing who is actually reviewing my file is important.

The Fed states in its testimony that it, quote, 'expects to disclose significant portions of the documentation related to the final action plans.'

I personally went to the Web site, which looks very unofficial to me, as well.

And if you felt they did not have the sufficient personnel or wherewithal to pursue it, you would have the ability to order them to do that?

So I file an appeal and now my case is, because it was one of your people who--one of the companies on which you are providing the independent consulting on, and it now goes to someone.

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.