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 agreement, that there is some mechanism to remove them."

"I have another question, but I think you have answered all the questions with your last response."

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

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