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.

Thank you very much, Mr. Chairman.

This is an incredibly important plan for millions of American homeowners, certainly important to the financial foundations for our families, but also for the health of our economy.

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 details and trying to lay out a road map of how to make modifications work.

I just have to comment on the parallel you drew to Prohibition.

I did find your chart very useful.

Thank you very much, Madam Chair, for bringing this panel of esteemed scientists together.

It appears very likely that the number of Centigrade degree increase per decade is very likely to increase substantially beyond that.

Thank you, Madam Chair.

the possibility of bankruptcy judges to be able to renegotiate the terms.

I rise today to honor Oregon's 150th birthday. On February 14 of this year, we will begin a year-long celebration of those who invested their lives in making Oregon a great place to live, work, and raise a family. I was born in Myrtle…

I really encourage the Administration to look at it in a much more direct way.

How urgent is addressing the issue of mortgages as compared to the lending issues and the consumer demand issues that exist as part of this complex problem.

We need to make sure that those mortgages provide a foundation for successful families. Not a mechanism to strip wealth from families.

I would be delighted to follow up with you and learn more about how that compares to other experiments around the country.

Thank you very much, Madam Chair.

Senator Merkley asked how many unsolicited tips of misconduct the agency receives that include the detail and sophisticated analysis of the Harry Markopolos document entitled 'The World's Largest Hedge Fund Is a Fraud.'

I look forward to working with you and with our Ranking Member Senator Shelby.

I think much the same applies in terms of preventing fraud.

I think that promotion of breastfeeding is one of the things we know can be very effective as part of an effort not only to improve nutrition overall, but to help control over time the high rates of overweight and obesity.

I certainly would draw it to your attention as something that merits--I'm sure what's coming to Oregon may be coming to your State soon.

I look forward to working under Senator Kennedy's leadership this year that we might achieve that goal of universal coverage.

The biggest barrier to women breastfeeding and continuing to breastfeed for the recommended amount of time is actually their returning to work.

If we want to promote breastfeeding we also have to look at the types of policies that promote women being able to take a reasonable leave after birth.