So now I am dry and boring am i "sharedawealth" ..... there is no need to get personal. And unfortunately I work in the system so I know it pretty closely, I am not working in accounting, so your wrong there as well.
And I laugh at the notion someone is a "mortgage specialist". We may aswell start calling cleaners "domestic presentation specialists" in that case....
How are unscrupulous lending practices not a problem? Need I remind you how the GFC started?
Honestly "sharedawealth" why did you even bother posting?