I consider myself to be one of the luckiest people I know. I have a happy and healthy family and I am fortunate to be able to work doing a thing I love. (Thanks to many of you.)

I have no pedigree.

I didn’t graduate from college.

I have no student loans.

I have worked hard for a looong time.

Thru a combination of good decisions and luck I have done better than average managing risk I MUST take on because of constant inflation. I have recovered from many expensive mistakes.

I live within my means and I have spotless credit. I did everything I could with the information I had to build a good life for myself and my family.

This “Loan-Level Price Adjustment Matrix” serves to devalue all of that.