and the cramdown position, loan modifications were not pass, but we passed a bill. you do not get everything. i appreciate you all being here. if you can bring something to us to consider, it looks like -- although you can put these provisions on other bills. that is the only time you can get good bills into law. the system has the methods to this map that. i thank you for your time today. without objection, members have 5 legislative days to submit additional questions. they will be made part of the record. without record -- without objection, the record will remain open for five additional days for additional material. i thank everyone for their time and patience. i wish everyone a happy hanukkah, a merry christmas, and any other holiday you may hold the near and dear. this session is adjourned. [captioning performed by national captioning institute] [captions copyright national cable satellite corp. 2009] >> you can get two or three positive ads in a one day shoot that it's difficult but you can. usually we like to do two days worth of shooting. i will have an id

according to today's hearing, we are not here to discuss mortgage sector cramdown. although voluntary loan modification efforts have not been perfect, lenders and servicers are making an effort to keep people in their homes. there are over 650,000 trial modifications under the program and over 5 million as part of the alliance. lenders and services work every day to keep as many people in their homes as possible. their efforts are stifled and complicated by how poorly underwritten mammy of these loans are penned jumped more portly, by an unemployment rate of that hovers at 10%. -- these loans are. -- their efforts are stifled and complicated by how poorly underwritten many of the loans are. more importantly, an unemployment rate hovers near 10%. i think the chairman and i yield back. >> now i recognize the next gentlemen in order which is the vice chair. would you like to make a statement? >> i will be very brief. my friend from arizona, the distinguished ranking member, he referenced his understanding of how we are rife here in these very very dire realities in ter