So simple. Yup, those stupid people didn’t attend the classes on mortgages (There
were so many types, some could be called punitive.) the economy (Studying the projections
on what would happen when the bubble burst, and timing for the burst.) leading
to the possible difficulty to do a refi. That way they wouldn’t have done what
the experts at the loan companies and neighbors were telling them to do. I
forget, was that a 3 semester hour class or a 4?