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But perhaps we should not be too critical of anybody involved in the modification effort, either the administration or those trying to arrange modifications.
Michael Fratantoni, vice president of research for the mortgage bankers, said, "The modification effort has certainly benefited a number of homeowners".
It also questions the view, held by some overseeing the Treasury Department's loan modification effort, that mortgage documentation errors have no impact on the program.
According to the General Accounting Office, by late 2000 NASA was planning to develop and equip the shuttle fleet with some $2.2 billion in safety upgrades -- "making it the most aggressive modification effort ever undertaken by the shuttle program".
Mr. Miller acknowledges that his loan modification effort, which is backed by 10 states, may not seem the obvious response from attorneys general, who typically focus on enforcing laws, not making policy.
"We don't want to stop foreclosures on homes that should be foreclosed," Mr. Cooper added, a tacit acknowledgement that too broad a modification effort could cause the housing market to grind to a halt, and delay any broad recovery in home prices for several years.
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Until now, the government's modification efforts have focused on lowering interest rates.
Both banks indicated that home borrowers, despite loan modification efforts, remained under stress.
(To give them their due, both institutions have mortgage modification efforts under way that are better than anything the government has going).
Drought-stricken Beijing, whose winter snows have all but vanished in the last 25 years, received perhaps three inches of flakes last week, the result, the government said, of its weather modification efforts.
Though he does not appear inclined to sue mortgage companies at the moment, defense lawyers and other legal experts say that could change quickly if the industry does not cooperate with him on loan modification efforts.
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