This was lost in translation. 

Alterations. 

Even one avoided lawsuit translates into money saved.2.

Aside from constant threats to drastically alter the property tax structure, existing and expanding rent control, anti-landlord regulatory environment, anti-landlord/investor public sentiment, litigious tendencies, liberal judges, tents popping up everywhere, cardboard sign carrying panhandlers at virtually every roadway intersection, trash on roads pretty much everywhere you look, increasing crime, high cost to get pretty much anything done, and not the greatest economics (speaking from an investment point of view such as price-to-rent ratio, etc), probably my biggest reason is that I like to invest in places where people are moving TO, and avoid places where people are moving FROM. 

It was different growing up learning to play 6 instruments, writing music, reading the King James translation of the Bible, speaking French, and learning how to start and operate a business at the same time.

If designed well it could be very easy for all to know exactly how much they will need to pay and perhaps it could automatically be withdrawn.There would be a huge tax savings possible, most of the IRS would become unnecessary, many of the lobbyists and special interests would have less power that might translate into a better performing market place, tax preparers could find other work, products would be sold on merit rather than tax advantage.Revamping the entire tax system is not likely to happen, but it would help the economy in the long run.

Put 20% down and your score goes up x points, for example.Another big area is as I mentioned before, since the FICO became all important in the financial lives of borrowers, some figured out ways to alter the data to provide an inaccurate picture of their financial history.

That translates to more home buying.

The PMs themselves never altered the language in the form, they just filled in where the blanks were.

My global crystal ball is always fuzzy, just too many variables to translate locally.