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    brilliant post steve. here are my thoughts:

    Michael McGrath

    Brilliant - I am looking for something like this for mortgages to use on my startup. The captivity problem is prevalent there whether you go direct or use a broker because you get "locked" after appriasal and have to go by their word its the best rate going.

    Steve Richmond

    @Cem- thanks for expanding on this and putting it in its proper context .. it would be fun to explore further..

    @Mike -sounds like you are working on an interesting effort, would love to learn more. You refer to regulatory hurdles in your comment on Cem's blog - what are the largest ones in your view?

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