Not to over simplify the "what if i told you story" but in all honesty these days the average buyer just want's to know where they need to sign so they can own a house. God forbid they have to think about the financial aspects of the loan based on numbers and the additional what if's ect. ect. ect.

Fraud on the other had indeed is another matter which as time passes will get worse. It's a sad state of affairs that society has gotten to the point that measures have to be taken to force people to be honest. What a pathetic situation we are faced with.

That's what i like about you Wag. It bothers you as much as it bothers me.

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"What you hear in a great jazz band is the sound of democracy. “The jazz band works best when participation is shaped by intelligent communication.”
Harmony happens whenever different parts get to form a whole by means of congruity, concord, symetry, consistency, conformity, correspondence, agreement, accord, unity, consonance…….