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hi I'm Neil Garfield of the Garfield continuum and the author of the living lies blog at www.andyjenkins.com of what we're talking about number one we're talking about securitized loans number two we're talking about residential mortgages number three we're talking about the actual process the details of what happened in the securitization of the typical residential loan now these issues don't go to predatory loan practices per se but they have their own impact on the recording requirements of various documents the timing of those documents and they also have their own impact on the APR that is stated in the Good Faith Estimate given to the borrower before closing and of course we all know that sometimes the GFE which is the Good Faith Estimate is not given to the borrower until at or sometimes even after closing which is a violation unto itself but the purpose of this section is to alert you to the issues that are involved in the securitization of mortgages and the first thing I want...