Last week I met with a number of wonderful, concerned, underwriters in our industry about what is really happening behind closed doors in regards to the fico scores and their individual lenders requirements pertaining to these scores and what some of the secondary market players are using them for. I'm hearing things like, "We are not allowed to approve anything under 620 or secondary won't buy it," or "Our investor won't take anything less than 680." What was once an acceptable loan now becomes one that few on the secondary market will by. At least at good reasonable interest rates. Now they become packages for "B" or "C" paper lenders with much more down payment, higher rates, and higher fees.