CF being "creative" goes to circumstances and the problem needing to be solved, it involves the application of techniques, assets, knowledge and methods that leads to a  successful conclusion.

We came to the mental conclusion and peace of mind to proceed with the deal... but the seller backed out last minute. 

They come to this false conclusion based on limited information and really no investigation.

The Fed for years was at 0-.25% interest, a loan was in the 3-5%.Is the logic conclusion mean if the Fed went to -.25-0%, would a loan be in the 2-4% range?

That's our conclusion as well and what we told him.  

@Penny Clark, I've come to the same conclusion. 

Now it would be interesting to have a study of sales verse refinances done, but I doubt anyone will commission that study, but my anecdotal evidence has pointed me towards a certain conclusion. 

I came to this conclusion after doing some custom blends that I ultimately ended up needing to repaint because I couldn't match for touch ups, but if you have a better method for handling this I'm all ears. 

Joe, I bought from the same provider using a very similar approach, and we've reached nearly identical conclusions about their strong and weak suits.

From your response and per my own conversation I have come to the conclusion that I am in the perfect place to learn more.