Jeff Merkley actually said...

"we ought to fix it looking forward as well into the future."

"this is about fundamental fairness, the idea that--it is exactly as you say."

"Thank you, Mr. Chair, and thank you, Mr. Secretary, for your testimony and, more importantly, your work on these many strategies to try to help address the challenge of refinancing, and particularly f..."

"Thank you very much again for your testimony. I join you in considering this as something we should be working on day and night until we can put it in place for the families and for our economy."