"Many many thousands of mortgages come in the bundles to the FM's, or rather they come as lists with total costs from lending institutions across the country. The FM's would have to hire thousands to check item by item..."

         They shouldn't be bundling them. That's what caused all the problems. If it makes mortgages harder to get, and the home buyer has to wait a little longer, that's probably a good thing.

         If it means builders won't be hiring as many illegal aliens from Central America to roof houses, that's definately a good thing.