Wow... that is a reach! So we as a lending industry should not gauge ones past history to lend money? Curious... what would you base it on then? BTW... im a wholesale account rep for a residential banker, been in the industry for about 18 yrs, mother was a mortgage underwriter for 25+ years, so i know a thing or two about credit lending. And yes, the average American can get a home. Are you still originating?