I don't think there is a credible independent person in the US who would argue that the HAMP is anything but a big failure, all the serious finance and econ blogs (Krugman, Calculated Risk, Delong, et c.) agree on this but if you've got a cite to the contrary I'd love to see it. Fai de bèn a Bertrand, te lou rendra en cagant
Krugman has been warning since before Obama was elected that his stimulus plan was too small and that its likely failure would be interpreted as a failure of the concept of stimulus, not a failure to make it the right size... And here we are, a year after inauguration. En un viejo país ineficiente, algo así como España entre dos guerras civiles, poseer una casa y poca hacienda y memoria ninguna. -- Gil de Biedma