Bob Bennett: “That is a theoretical estimate.”

I think the outcry would be very, very strong. There is a huge conflict of interest here, and such an individual should not be included.

I would urge you to have conversations with whatever 'elves' within the administration you deal with, over at OMB, because I think that's where the decision was made.

I can understand the impulse for a moratorium. I am not at all sure that a blanket moratorium as broad as this one will produce any higher degree of safety than a more targeted kind of thing.

We do not make money when we foreclose on customers. It is in our best interest to figure out ways to make loans perform again.