Jack Reed actually said...

I think it is critically important that from an investor's standpoint, if a servicer is not following their responsibilities under the agree...

But one of the premises is 10-percent private capital up front. The question is: Is that sufficient? Or is it too much?

There is another aspect, too, as you alluded to in your responses, that there are times when the market can provide adequate capital.

I think we have got to think harder on some of these issues.