Jack Reed actually said...

But just again, your process, because of the negotiations, because of the complexity, we expect--you expect months from now to have recommen...

And if the economy gets worse for reasons not directly related to this, such as the sovereign debt crisis overseas, etc., then the foreclosu...

the model that worked before does not work any longer.

I mean, one of the things that we have been trying to do is to incentivize, one way to describe it, a much more proactive, much more focused...