Dan hits it on the head here. This is the reality that a lot of mortgage trainers don't know. They see that you have to make a sale of both a service and a rate in a volitile-to-say-the-least environment.
Brian is smarter than all of us. I'm more libertarian than he is, but maybe he's a mite pragmatic. I don't like the excuses the left uses to get the gub-ment involved, but this ain't bad.