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they join us live from their respective states. reilly, let's start with you. this is not fair, is it? >> no, absolutely not. typical of the liberal agenda where there are rules in place. and when they don't get the outcomes that they desire let change the rules, right? it doesn't make any sense, it's going to create perverse incentives in the marketplace. >> steve: right. >> probably load up balance sheets sphoor smokes to understand fees credit rating how your fees are going to go up. let's say you took out a mortgage, $350,000. you put 20% down. borrowers with a higher credit score before may 1st were paying $1,750. and after may 1st, marlow, it's $3,000. that's not just like 20 bucks