When counting on learning from innovation, there are great successes but also failures. The Wright Brothers invented the aircraft and started an amazing process of innovation, where we now have planes that carry 500 passengers. Along the way there were some silly looking vehicles that crashed early on.

Trapped in the bureaucracy nightmare, real families suffer when the big banks and their servicers force foreclosures. The emotional toll on children packing up their rooms and on parents struggling to find a temporary roof is a deep one.

We have seen the big loan servicers drag their feet in the Obama administration's well-intentioned mortgage modification program.

Sheldon Whitehouse Quotes