I really would say that your program is going to have a significant and deep effect on housing markets, improving them, and that can reverberate throughout the whole economy.

But if it goes to two-thirds, shouldn't that be a real change in the housing markets and rates of foreclosure, and even shouldn't it help us find a floor?

I think the public has this view that the servicers are little entrepreneurs all over the lot.

We are going to have one of the best Housing Secretaries that we have ever had.

And that is going to mean some real stuff to the stability of the banks and of the whole financial markets, because they are still holding this paper.

When a country, year after year, consumes more than it produces, imports more than it exports, borrows more than it saves, the chickens always come home to roost.

But I think, yes, and Mr. Chairman, I think most of the big banks that have already received TARP money who are servicers have agreed to be part of this, isn't that right?

Ticketmaster never should have gotten into the secondary ticketing business by buying TicketsNow to begin with.

Bruce Springsteen says Ticketmaster abused his fans, and I agree with the Boss.

I have made no secret of my opposition to this merger.

We need answers, not apologies, and I hope in this hearing we can hear specific answers as to what happened here and why it will not happen again.