Jeff Merkley actually said...

Thank you very much, Mr. Chair, and I will follow up on your questions related to the put-back with our folks, Mr. Edwards and Mr. Bisenius ...

Thank you for noting that.

So essentially, you say when there is recognition that a modification cannot be completed, then we need to push through to foreclosure.

And that would not be because the number of folks falling into foreclosure action is declining, so to what do you attribute that?