Reporting on the Obama administration's loan modification program, one news source said: "Many borrowers complained that the banks lost their documents. The industry said borrowers weren't sending back the necessary paperwork."

Sounds like a husband and wife telling two versions of the same argument. Having just completed a personal refinancing of my home that took over 5 months for a big bank to complete, in which the underwriters seemed hell bent on finding some reason to reject the deal, I know which spouse I believe.