Sheldon Whitehouse actually said...

The experience of a great number of debtors, mortgage holders, is that banks have become very difficult to work with.

And the cost, as you have said, of the fact that the system could not accommodate you in that way has resulted presumably in fairly signific...

OK. You can see that we need to make Chapter 11 more efficient for small businesses.

My point is also about the transparency of the selection process.