Please explain how you would have "researched" the price two years ago and not been in the hole today? Maybe you're missing my point that appraisers and lenders created the false prices that, even with this supposed research, would have still validated their pricing.

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We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.