Companies have no way to either modify their behavior to avoid random jury verdicts or calculate what they might owe when they do lose.

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Or might it apply to companies, perhaps investment banks, that are exposed for gaming regulators or failing in their stated commitment to modify mortgages and help avoid foreclosures?

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And we are working aggressively to help all homeowner modify their loans to avoid going into foreclosure and investing in communities hit by the continued difficulties in the market.

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While the bank is working hard to modify the legacy loans with existing customers to avoid such huge write-offs in the future, it is definitely an uphill battle making us more cautious on our estimates.

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