Bob Bennett: “I will be a bulldog on it this year.”

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.

If you call an IRS agent for advice on your taxes, there is a very good chance you will get wrong advice and end up in tax court.

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.

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.