Mark Warner actually said...

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

They had plenty of warnings from Congress.

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.

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.