Jeff Merkley actually said...

the last thing homeowners need after so many challenges--I mean, I can tell you that the one person of a major bank has said the biggest cha...

Do you think that that might be important to whether a homeowner feels like it truly is an independent process?

So do you feel like there is some standard that eliminates the conflict of interest between these companies?

Well, please, that is so insincere, that the banks would say, yes, the homeowners get to pick the independent reviewer.