So hypothetically, if a jumbo loan program were being developed with the loan terms, LTV, DTI, credit score, etc., then maybe mgmt wants to add additional criteria such as a net worth number,. a personal liquidity number, a dollar amount of total loan relationship with the bank or an AGI over a certain amount (possibly above the DTI for the loan itself), why am I thinking these are fair lending issues and mgmt is not? I understand risk but what about adding PMI/reserves or something else internally to offset the risk? What about the interest rate itself being the main trigger to help offset risk? Am I losing my mind for looking at this one too long? I don't think I am!!