Mandelman's Monthly Museletter -- Version 13.0

``I wish I could help Treasury write the response to these whining hampsters who feel they're being treated unfairly. It might say something like: "We're sorry, but there is no appeals process at this time. You failed the secret hampster test and we can't tell you anything more about it... only that you failed. You're certainly welcome to send you paperwork in again and we'll give it a cursory review before we lose it... probably. Look, you're just another irresponsible hampster... no one forced you to sign the HAMP contract, so now you'll just have to learn to live up to your agreements."''