eight critericriteria, credi history, assets and things automatically applying. no more high fees, that sounds good. how does that work? it s great, cap off at 3%. you the borrower to get that mortgage won t be paying more than 3% of the loan. mike: and no more teaser rates. how are we being teased? we saw with the subprime mortgage crisis and all of the lax lending that led town that, exotic loans and toxic assets. and misleadingly low teaser rates and people qualify for that interest rate and take out loans that maybe eventually couldn t afford. no more of that. alisyn: no more exotic loans, that s intriguing, what s exotic loans? interest only mortgages or loans with balloon payments, that exceed 30 years in duration of the loans. not going to see more of these.