has a reasonable chance of doing good and has,

情况很可能好转
I think, roughly no chance of doing bad,

而基本上我认为情况不可能更糟
is the legislation that's been introduced by Senator McCaskill

立法机构的麦卡斯基议员等介绍的方案
and others to remove legal liability from servicers

任何为重估这些抵押
for any decisions they make

所做的决定
to renegotiate the total value of these mortgages.

都能规避法律责任
I think there's considerable doubt as to how much activity--

我认为现在存在普遍的疑虑在于
how much positive activity--that would generate,

我们能够做出多少积极的行动
but there's no downside and potentially some upside.

并且这些行动不会造成负面影响
There's also another interesting problem in this area,

在这个方面还有另外一个有趣的问题
which is many subprime mortgages, probably more than a third,

就是在许多次贷抵押贷款中
have second liens against them that

其中很可能大于三分之一有二手留置权