Michael Capuano actually said...

So, no on a regular basis, probably every single time, when you go in some place, you are well-intended, you know what you want to get done,...

I think it is a good idea. But we also put the affordability study in there, because we weren't sure how all this would be impacted.

What bothers me is that we are acting as if a $5,000 or $10,000 cost to an average homeowner is nothing.

It is unequivocal, it is indebatable that rates will go up.