>I love the scream test, but the analogy you bring up actually - this seems unfair. The cost of Fedex'ing everyone is astounding I wouldn't be surprised if the

>I love the scream test, but the analogy you bring up actually - this seems unfair. The cost of Fedex'ing everyone is astounding I wouldn't be surprised if the cost difference is negligible, maybe a couple bucks per mortgage? FedEx bulk discounts can be pretty massive