Sherrod Brown actually said...

Instead of trying to stay in their homes, they are saddled with back payments, penalties, and late fees.

Each day Ohioans are failed by the modification process.

It is good to be back. Thank you for putting this together, and thank you to the witnesses for appearing.

All right. Well, maybe we can talk about that offline and figure out a way to help you get to where you need to be.