to paraphrase one historian, quote, i'm afraid that professor gordon reed, despite her admiral under an admirable qualities, is the worst thing to happen to thomas jefferson since james callender. this latest have taken diversity and created a hostile environment in the academic world in which scholars feel pressured to accept the hemmings myth as historical truth. ladies and gentlemen of this jury, justice is supposed to be colorblind, and neither race nor gender nor bias have any place in a court of law. nor in the court of public opinion. the only question before this jury is what is the most credible and reasonable and believable evidence, not jefferson's view on race or slavery, but whether it is proved beyond and to the exclusion of every reasonable doubt, as to whether he had a sexual relationship with a 14 year old girl. 13, when it came to women, jefferson's true nature was sheepish, some would say awkward and geekish, but certainly not lustful. his marriage proposal to his first love, rebecca burwell, was in 1763, and that illustrates the point. jefferson was so nervous tha

. >> caller: -- i couldn't afford a hardback, the hemingses at monticello by annette gordon-reed. excellent writer. >> host: she won the booker prize or the pulitzer -- >> caller: pulitzer and national book award. it is so well-written and documented and brings a whole new point of view to the complexity of race relations in our country, and i'm just devouring it. it is wonderful. >> host: thanks for the call. carless next up in dallas. what was your favorite nonfiction book of 2,009? >> caller: when of the callers mentioned 1i cannot agree more everyone needs to read, neil me, it takes a pillage. it's an inside account of wall street and what's going on. but what i really enjoy that he featured in april is called free carving flourished more come negative from the independent institute. >> host: what is it about? >> caller: it is objective, any book is objective. its evaluation of american presidents based on principles of peace, prosperity and liberty and it is just a different perspective on the president. we tend to drink our presidents the hobbyist who have been involved in t

. >> thank you very much for the test and, as gordon-reed next is anthony sanders distinguished professor of realistic finance school of management at george mason university. you are recognized for five minutes. >> mr. chairman and members of the committee, thank you for the invitation to testify today. according to the treasury service performance report through october, 2009, 920,000 charnel modification plans were offered to borrowers and 651,000 trial modifications have been made. given the fall off the cliff of housing prices of many states the surge of unemployment and evaporation of liquidity for banks and institutions in the second half of 2007i am frankly surprised at the servicing industry has moved so quickly to make the loan modifications in such large numbers. with 14.4% of the border was in foreclosure or delinquent on their mortgages this creates incredible challenge to the servicing industry. it is a challenge to the server serves to make loan modifications succeed when 70% of loan modifications that have already interest rate cuts have gone into default after 12 months.

. >> thank you very much for the test and, as gordon-reed next is anthony sanders distinguished professor. you are recognized for five minutes. >> mr. chairman and members of the committee, thank you for the invitation to testify today. according to the treasury service performance report through october, 2009, 920,000 charnel modification plans were offered to borrowers and 651,000 trial modifications have been made. given the fall off the cliff of housing prices of many states the surge of unemployment and evaporation of liquidity for banks and institutions in the second half of 2007i am frankly surprised at the servicing industry has moved so quickly to make the loan modifications in such large numbers. with 14.4% of the border was in foreclosure or delinquent on their mortgages this creates incredible challenge to the servicing industry. it is a challenge to the server serves to make loan modifications succeed when 70% of loan modifications that have already interest rate cuts have gone into default after 12 months. if the loan modification affordability calculation is done under hamp