conditions, extend assistance, increase the net present value of cash flows to the owner of loan, and stabilize housing markets. my group had to adhere to servicing agreements that limited our ability to make own modifications that could have helped more borrowers. in the press it has been said that i ran a foreclosure machine. this is not an accurate description of my role at one west bank. on the contrary, i was committed to loan modification intended to stop foreclosures. i ran a loan modification machine. when we could do loan modifications, we did them, but many times the fdic, fannpha fa, freddie mac had strict rules in