Although that may appear too, at some point, to add flavor and credibility to their arguments.

Here is the link I was referring to:http://www.credit.com/news/credit-debt/2010-07-18/new-credit-check-requirements-cause-of-concern-for-mortgage-lenders.htmlThe impact of the new legislation will be subtle at times and very obvious at other times.

You're so subtle, Nick, it's hard to know what you really think!

Uwe, I appreciate the international flavor you bring to this mostly US forum.

So there you buy and hold and are happy with a nice 8-12 cap rate.Pick you flavor.

I have mine, but don't want to flavor the responses.

So I wonder if it has something to do with the strength of your offer or something more subtle?

The proof of a consumer learning curve is in the data-flavored pudding.

So any, even subtle changes could make a difference.

And the service is great, but I live in the south, so maybe that's just the local flavor.