lending, unquote, during the housing crisis. an investor group that you headed folder by reformed indy mac, a failed institution, responsible for many low and no-doc mortgage loans into a viable constitutiinstitution ca west, which you've described here, which offered loan modifications above and beyond what other institutions were doing to more than 100,000 borrowers, at least that's the way it looks to me. meanwhile, during all of the foreclosure turmoil, obama administration officials set up a national loan modification program called hamp. many members of congress from both sides of the aisle and others have repeatedly fallen far short of its goals and it had significant design flaws. in testimony before congress, the special inspector general