Sheldon Whitehouse actually said...

I happen to believe that very, very significant savings can be achieved that way.

If my roof has a hole in it and the rain comes in, the sooner I fix that, the less my family's long-term cost of that repair.

I could not agree with you more, and I think that we have a window of time... The fiscal knives do not have to come out in the kind of emerg...

It applies to every single type of debt, including debts that the banks hold, except for one kind, and that is the poor residential mortgage...