Jeff Merkley actually said...

Would it be appropriate to back up what the market has done with a specific ban on teaser rates and prepayment penalties?

I appreciate the diversity of models that you are presenting for us to wrestle with.

the failure of regulation has turned the American dream of home ownership into an American nightmare of home ownership.

I think that your team and the Treasury team and Larry Summers' team are to be saluted for really wrestling with a lot of nitty-gritty detai...