That's "a reasoned response"? Face it my friend, that's just an ATerd wet dream dried into pixels. Because the only reasonable interest rate for our recompense that applies here is: LOAN SHARK RATES, baby! You do the math on 1,120% annual interest for our forced "loan" to the brokers etc. Over 5 years what does that calculate to? hee hee. haa haa. ho ho. ahoooohhooohhooohhooohhoooo. heh!