identified that, quote, there have been countless published reports of hamp participants who end up worse off for having engaged in a futile effort to obtain sustainable relief that the program promised. failed modifications often leave borrowers with more principal outstanding on their loans, less on equity, depleted savings and worse credit scores, unquote. using provocative language that we have heard supporting your actions in the foreclosure crisis, i guess you could say that then-secretary, treasury secretary geithner was a, quote, predator loan modifier, unquote, using that type of logic. now, mr. mnuchin, did one west have any interplay with the obama administration's program, and was that program successful in preventing foreclosures on struggling american homeowners,