Sheldon Whitehouse actually said...

This has long appeared to be the most efficient and least costly way to keep families in their homes.

Many of these servicers are not even providing a human being to confirm that the foreclosure is warranted.

The administration's Home Affordable Modification Program, while well intentioned, has not succeeded in producing enough modifications.

This has been, I think, a very helpful hearing, and I want to say some particular thank you's.