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Underwriting a Traditional Credit Score
I know I've heard from yourself and from a variety of guests sitting in your chair that the regulators are also playing catch up in this new world. So, so I guess along the steam, I'm curious on the benefits of underwriting so much income versus say using a traditional credit score. You could be pretty high income, but look like a very risky borrower if you were purely underwriting aTraditional credit score. And I don't think that tells the whole story, right?