BRICS are on a campaign to knock the U.S. off that pedestal, and we are doing nothing of substance to stop it. 

:) It's most always less about the substance and more about the delivery!

Anyway, let's get to the substance of your claims.

Those details sometimes are danced around in generalities that sound good but lack substance.  

@Duncan Lai Yes...use your own cash, or a cash like substance (meaning non-lien able debt).  

Did you have anything of value or substance to add that might help the OP? 

That was the catch, not the substance.  

This is of course just my opinion...but several of your discussion points like being able to lock the rate on a balance and obtaining a lower interest rate seem to overlook the substance that this is a revolving product so treat it like one.

:D No daycare, no home businessNo firepit or outdoor fireplaceNo drugsNo swimming poolsNo hot tubsNo trampolinesNo pets without prior written permission of landlordNo smoking of any substance on property or grounds, inside or outNo illegal activityNo ATVs, RVs, boats, semi-trucks, or unworking cars (cmty rules)Limit to X cars per propertyNo parking on grass yards or sidewalksMaximum occupancy of X (if your city allows it) or "premises to be occupied only by individuals stated in this lease"Late rent fees and curesNo subletting without written consent of landlordList of fees and recourse for bounced checksLiability clausesHow many days notice to leaveHow leases renewWhat the security deposit can be used forWhen/how the security deposit gets refundedRepairs-- by whom, when, at what expenseHow to notify you when repairs are needed (I put a clause saying that... any repairs not given to me in written by certified signed mail are deemed not to have happened at all.

It's a sales pitch with all hype and no substance.