Well, it seems to me that there is a real risk here that we are, by Federal money, providing AIG with the wherewithal to unfairly compete in this marketplace, and at the same time inheriting the risk of underfunding those liabilities.

But shouldn't we be putting AIG through the same stress test that we are talking about in terms of financial institutions?

I mean, how can you keep coming back and asking for monies in which you cannot quantify for us the systemic risk and the assets here?

Many, many servicers have agreed to start refinancing the mortgages and they feel they are protected by the guidance that you have issued.

I think the housing plan that you and Tim Geithner and, of course, the President put together is really a home run.

I said then that we were going to have a tsunami of foreclosures, and the administration basically said I was an alarmist.

We shouted the statistics as long as we could. We held meetings to develop legislation, but for years, the previous administration just covered its ears.

The real block, in my opinion, has been the servicers and the bond holders.

What you have done in your plan is laid out specific guidance that every regulator agrees to.

Mr. Secretary, I defy anyone to suggest that these cases were somehow the exception, that these were aberrational.

He thinks it is unfair--and so do I--that lenders can take taxpayer money but do not have to help homeowners.