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[ratchetr]

After 10 months:

Some of my borrowers failed to meet my standards. I expected that and continued to bid.

PMI failed to meet my standards. I didn't expect that, so I stopped bidding.

[bamalucky]

After 10 months:

Some of my borrowers failed to meet my standards. I expected that and continued to bid.

PMI failed to meet my standards. I didn't expect that, so I stopped bidding.

Best short summary that i have read.