Actual NYT headline: Energy Department Loan Program Needs Oversight, Audit Finds

Entire second graf (emphasis mine, for emphasizing):

The audit, led by Herbert M. Allison Jr., a former financial executive and senior Treasury Department official, found that the government could lose as much as $3 billion of the total loan commitments so far of $24.3 billion granted to 30 companies under two Energy Department programs.

Entire third graf (emphasis mine, for emphasizing):

In setting up the loan guarantee programs, Congress set aside $10 billion for potential losses.

Proposed, better NYT headline: Energy Department Loan Program Functioning Exactly As It Was Supposed To