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Not at this point, they're staying fast on their new policies. As the environment changes I expect they'll relax their rules somewhat for low risk clients.

I don't think brokers need to "reinvent themselves". Investigating alternate lenders adjusting strategies slightly to meet the new criteria, it's not a big deal. Compared to some of the changes over the last decade I think what we're seeing right now is hardly a ripple. Firstly the affects of...