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Hedware why? Why such hate? Without mortgage brokers you would be living in a cave Hedware. Hedware I suspect you are a banker with the big 4 banks and just like them your greed has no boundaries. You are one of those people who drive to mortgagee sales and celebrate the misfortune of others. You celebrate out of cycle interest rates. This is what you live for. Hedware are you a bank troll?