Wow - I specifically called out that most people don't write mortgages, presented what I thought was a relevant scenario for the 'average person' ... And you s

Wow - I specifically called out that most people don't write mortgages, presented what I thought was a relevant scenario for the 'average person' ... And you specifically go out of your way to pretend you didn't see it/understand it? Yeah - 'constructive' doesn't seem to be likely