But scores are but one factor.

Prudently underwritten alternative mortgage products have also allowed some borrowers who might otherwise have been precluded from participating in the housing market to purchase homes.

Everyone else is tweaking and here I come in and I have to start from scratch. If we don't get me up to speed then the show can't go up, and everyone is focused on the show.

We just couldn't get anything doing offensively in the first half. When we extended our defense to try to make something happen, we gave up some easy buckets.

The question that comes to my mind is, how much of a deterrent is it?

Certainly, I think it's a step in the right direction and I'm glad to see it,