Basing it on the average cost of materials and labor is straight up morally wrong.

@Jose De La MacorraI won’t touch it both from a business or a moral standpoint.

@Cristian Aviles-Morales I started during the housing bubble and they are all conventional loans. 

I've dealt with that twice with people I served with in the Navy and they were some of the most morale draining people we ever dealt with.

Moral of the story, it's always worth a shot to ask...

So, is the moral of this story that optimists might have less truth, but might be happier and more successful?

They were sort of morality tales for young boys, to encourage them to work hard and save, and that by doing this they would become rich important business leaders some day. 

LOL well let em come, if we come to an educated agreement on both sides and you Violate that agreement, your *** should be kicked out and fee'd, learn to be an adult doesnt matter if youre liberal, socialist, communist, republican, democrat, athiest.. common sense and moral privilege doesn't discriminate 

What knocked your moral compass so far askew?

We then sent our people for a exact match system and saved our clients $1500 even after applying the credit provided by the warranty companies.The moral of the story was that in the end, cost much more to have the warranty vs. not.