I'm guessing that Fannie whatever plays the game this way: the rules and procedures are vague enough so that everybody can do the wink-wink nod-nod thingy and it's all good... then the SHTF due to Fannie whatever's excesses and it's all about everybody not playing by the rules... f%^k those bit$%es, the whole public sector is headed for bk and destitution and I'm asking myself "will they be missed" and time and time again the answer is a resounding NNNNHHHHHHOOOOOOOOOO!!