Jeff Merkley actually said...

"So often, we are coming into the story down the road when it has exploded."

"OK. So, ballpark, can you tell me between the two institutions or for your institution how many more repurchase--are we talking a billion dollars a month or are we talking about a billion dollars ever..."

"Thank you."

"I wish there was, in fact, a rule in place that said the foreclosure track will not be pursued until the modification is completed."