Jeff Merkley actually said...

Is there any sense to using soft seconds for the balance that is underwater as a way to create loans that could re-enter the marketplace?

This is a big problem.

I think that the plans on compensation for market-making trades is very, very helpful because it creates a huge distinction between one busi...

Yes, that is one way of--one possibility of certainly taking the whole--saying refinance the whole thing regardless of the amount that you a...