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

So something is going to have to change if this is going to be effective, correct?

That's a lot of stress, and losing a home is about as stressful as you can get.

Unfortunately, these efforts proved fruitless.

So the servicer might be looking at financial outcomes for the servicer that are better if the homeowner goes into foreclosure than they are if they continue to work with the homeowner and put them back onto a salvageable footing?

Between this and between the magically missing file that Mr. Verdelotti sent in, it begins, there begins to emerge a whiff of gamesmanship and manipulation through all of this.

Wall Street won and Main Street lost.

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

I think I will call this hearing to a conclusion.

It is a point worth making in this hearing and in our community that to the extent local banks are involved...

You have perceived a distinct difference between the local banks and the big national banks in terms of the quality of the interaction between your clients and customers and them.

That's a very interesting kind of help when a person is struggling with a mortgage payment, isn't it?

The technology isn't here for some of these technologies because we have not met the market in the incentives and investment for their development.

The consequences of failing to do that are manifold. There are national security consequences, economic consequences, jobs consequences, quality of life consequences, environmental consequences, and they are all going to become very real…

I don't believe that our present status quo is some ideal state of nature from which any variation is an anomaly or an interference. The status quo right now is riddled with Government hand on the levers of our economy.

I think a legislated solution is preferable.

Should we also be thinking about pursuing a similar disaggregation so that the conservation portion of a utilities portfolio actually has to be separate?

The U.S. Supreme Court has determined as the law of the land that carbon is a pollutant subject to Clean Air Act regulation.

It strikes me that in light of our existing incentives, that is sort of a self-fulfilling proposition.

I just want to welcome him back and let him know what a good thing it is to see him back in the institution to which he brought such luster.

I would also ask unanimous consent that the statement of the distinguished Chairman of the Senate Judiciary, Patrick Leahy, be added to the record.

I appreciate very much that you have been here to speak on behalf of Mr. Lange.

The constitutional prerogative of advice and consent and the Senate tradition requiring the approval of the home State Senators for judicial appointments, I think, lead to wonderful consequences for America in the caliber of the appointees…

I want to thank all of you for your presence here today. This is a very distinguished panel.

I applaud you on your nomination and welcome you here.