Sheldon Whitehouse actually said...

You have perceived a distinct difference between the local banks and the big national banks in terms of the quality of the interaction betwe...

So the servicer might be looking at financial outcomes for the servicer that are better if the homeowner goes into foreclosure than they are...

That's not a sign of a very trusting relationship with your servicer, is that correct?

Thank you, Senator Whitehouse, for giving us this opportunity to testify today.