Well that will not be to tough. They could scout any elementary school and get a third grader that would be able to spot the fraud from a mile away. I suspect they will get some Harvard grad with multiple PhD’s to tell us all that we are dead beats and the bank is not to blame. The investigators will say, “we can not hold them accountable because the entire house of cars will fall apart, putting our way of life at stake”….. I can hear the bull**** now. Anyhow who’s going to listen, the judges, the banks? We already know and the courts do not care. I guess I could try to be optimistic.