anks'] failures and their wrongdoing," Cummings said. "This is a society that says, if you don't do things properly, there are consequences." Frederick Hill, a spokesman for Issa, said the foreclosure problems are "an issue that the committee continues to look at," but said Cummings' office has not clearly made the case for why subpoenas are necessary. Many House Republicans have been wary of investigations led by state attorneys general and federal officials into allegations of improper mortgage servicing practices that burst into public view last fall. In particular, Republicans have questioned the appropriateness of one potential penalty: forcing banks to write down loan balances for borrowers who owe more on their properties than their homes are worth. They have also accused the new Consumer Financial Protection Bureau of overreaching by becoming involved in the settlement discussions. Cummings in February asked for information from 10 companies about their foreclosure practices. Four companies have responded, but six provided no documents to Congress: Bank of America Corp. (BAC), Wells Fargo & Co. (WFC), U.S. Bancorp (USB), SunTrust Banks Inc. (STI), MetLife Inc. (MET) and. PHH Corp. (PHH). In a letter sent to Cummings, Wells Fargo said the documents requested "are extraordinarily voluminous and they contain confidential and proprietary information." U.S. Bancorp said its reviews of its foreclosure procedures are confidential but have not identified any instances "where a borrower was wrongfully evicted from their home or was charged improper fees." MetLife said it would provide some documents only if it received a subpoena. PHH said the documents requested were produced by outside attorneys and were subject to attorney-cliejust recently slowed down, and now many companies are turning their attention to reinvigorating their older ships. The idea is to take key features and amenities from the newer ships and install them on the older ones to create consistency across the fleet and to keep customers interested in booking older vessels. I just returned from Victoria, British Columbia, where Royal Caribbean’s Radiance of the Seas is just completing an extensive upgrade. I got an extensive tour of the ship, still under heavy construction in the shipyard, and I left thinking, “this is a ship I would really like to sail on some day.” The $20 million renovation will take many of the most popular features from Royal Caribbean's new and very popular Allure of the Seas -- now the largest cruise ship in the world -- and retrofit them to Radiance. The first area of improvement is the expansion of dining options. Oddly enough, of the sister ships Oasis and Allure of the Seas, Allure had many unexpected improvements over Oasis, including a new Brazilian Churrascaria restaurant called Sambas, which will now come to Radiance. Another restaurant that debuted on Allure, called The Dog House, will also be included on Radiance. Other restaurants coming to Radiance include Rita’s Cantina for Mexican food and the Park Café, a type of Tavern on the Green lunch spot first introduced on Oasis within its Central Park area. Of course, Radiance does not have a Central Park area, so the café will go inside the ship's extensive solarium to give it a similar outdoorsy feel.  Another popular spot on all the Royal Caribbean mega ships has always been the English-style pub. On Radiance, this pub will have a small stage for an acoustic guitar player/singer and a large selection of authentic ales on tap. In fact, with seven new eateries on Radiance, the only restaurants it won’t have are Johnny Rockets and the ultra-posh 150 Central Park. Izumi will be installed for Asian-fusion cuisine. Portofino’s is slated to become Giovanni’s Table--a family-style Italian restaurant--and Chops will still offer fine dining. For the ultimate in cuisine, a private room has been created for The Chef’s Table, which is available every night by reservation. Radiance will also acquire the same digital signage that Royal Caribbean introduced on Oasis. These interactive computer screens allow guests to check current availability for shore excursions, restaurants and shows. If they wish to book, they can just swipe their keycards to record their reservations. A new poolside outdoor movie screen will be added to the top deck and the nearby childrens’ programs will now accommodate kids from ages 6 months to 17 years. Wi-Fi will be expanded to cover the entire ship. A new purpose-built lounge will be created solely for members of the Crown and Anchor Society, Royal Caribbean's loyalty club for past passengers, with cocktails and concierge se