I said yesterday I’d get back to the SIGTARP report on the federal bank bailout and the HAMP program, and the section on “Dick and Jane” is really the best illustration I’ve seen of what can happen to families who try for a loan modification and put their lives in the hands of the servicers. The report creates Dick and Jane as a pair of subprime borrowers from Tampa, Florida, with a combined annual salary of $75,000 a year.