Why does everything have to be beyond confusing? I had to do the research on "bi-merge" credit. And of course it's all implemented with FHFA with this absurd FICO 10T modeling score, and that other one...vantage score? huh? 🤔 Well, ST the dancing queen sure states 'stakeholders' yet us "shareholders" are the ones that are supposed to be shareholder owned enterprise to da Twins.