I think I heartily agree. Openness is a great default, and while I will say a lot of things are more complicated than I know, this will at least drive the disc

I think I heartily agree. Openness is a great default, and while I will say a lot of things are more complicated than I know, this will at least drive the discussion into the open. IIRR Fannie Mae originally had explicit anti-Black lending policies. I do wonder how that would have been dealt with in a more open environment.