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being able to stay in their homes. i am wondering if this tool that we initially came up with, the hamp program, is the right tool to deal with that type of problem. because if somebody is out of work and does not have a stream of income to support a mortgage it does not matter how you design it or how you modify it. if there is no income to support the mortgage is going to end up in foreclosure. i am fearful. i see how this is working out. i see the attempt to are making. i also see that 434,000 people who were kicked out of the hamp trial program because you could not verify income. . . and the homeowners are not being held in a significant way. i understand the dynamic that is out there now. it is just different. it is all these people who are unemployed and in some cases you cannot modify that because there s nothing to support it, no income strain. no income stream. you think this program should be wrapped up? in a few months there have been very few people helped b

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