> Competition will continue to keep prices down That's an incomplete statement, because it doesn't quantify the effect. Will the effect be zero, or will BI be

> Competition will continue to keep prices down That's an incomplete statement, because it doesn't quantify the effect. Will the effect be zero, or will BI be priced-in (higher prices, lower present-value of BI)? US college tuition and housing prices increased dramatically, because of decreased consumer price discrimination driven by low-barrier loans.