From Melanchton's Empty Wheel link, which discussed the promises made to Elizabeth Warren's Congressional Oversight Panel regarding the bank's loan servicing business:

For what it is worth, I'm sure those conducting the stress test knew that this conflict existed and knew that it was very profitable to the banks. Servicing is considered a "hedge", because as the origination business dries up foreclosures will increase and servicing income would go up, something Countrywide and others loved to talk about.

So a hedge turns into a thicket!

As the Dutch said while fighting the Spanish: "It is not necessary to have hope in order to persevere."