Mark Warner actually said...

It is important also to remember that while it was servicers who caused this problem, it is borrowers who are, of course, paying the price.

Many Members up here--I mentioned Bob Menendez, among others in this Committee, going back a long time who talked about this literally.

These problems may have resulted in problems for borrowers who otherwise may have been able to pay their mortgages.

Let me echo what Sheila said on the issue of the housing market and just add to that something I noted in my written testimony.