Why Does GMAC Continue to Bleed?

Why is GMAC losing so much money? Residual losses from before GM's BK? Repos and high default severity? Floor plan and cap loan losses from dealers going out of business?

In time, GMAC's new Ally Bank could attract enough deposits to fuel more lending but there probably has not been enough time for this to gain traction. No ABS money available to them? What is going on? I haven't figured this one out yet. This money is or isn't coming from TARP or TALF?