Thank you Robert.

I would just be concerned that there may end up then being missing data. It's not like what they were saying is now going away... They are not necessarily going to restructure the whole industry and all of the guidelines, etc. Basically, the paperwork has become more complicated, but then so hasn't the procedure and what it involves? Maybe they will strip away some arbitrary parts, but a full restructure?

I am assuming the increase in complication is in part due to the increasing reliance on credit?

I typically get wary of solutions because so many of them become problems. I don't have enough data to really put down this new plan or support it.

I just hope that it is simple and straightforward but includes assignment of importances and isn't leaving out information.

Best, Amy