tOfficial Night Shift Thread, get your kicks on v66, and do your f*cking time card

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williewilliejuan said:
Yes. It’s their new LLPA (loan-level pricing adjustment) grid. It doesn’t reward poor credit. The LLPAs get higher as the FICO scores get lower. It does reward first time homebuyers and people who make a smaller downpayment. The LLPAs at 75.01 - 85.00% are higher than they are at 85.01% -95.00%, which makes no sense from a risk standpoint. The LLPAs from 95.01 - 97.00% are lower still. You have to be a first time homebuyer in that bucket. They’re basically subsidizing the lower down payment risk by increased LLPAs in the lower LTV tranches.
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blinking trailer park boys GIF
 
Hahaha, stupid Celtics
 
Inquisitor said:
View attachment 100967

Anyone getting nervous? :dhd:
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huskers1217 said:
Y’all would have better giving me 5k each to bet on the sizers.
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huskers1217 said:
No. 76ers need a double digit lead to be able to save itself from 3 quarter harden
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gobigred said:
Lol at shooting 61.4% and still tied
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Hu War Yu said:
Boston gonna be in a world of hurt when Embiid comes back
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Hu War Yu said:
HAHAH! It's over!
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Fyi...2-0 devils 2nd int
 
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