Edd, if you can’t accept what scripture says, be honest enough to snip out the parts you don’t like. Browbeating the messenger doesn’t change anything.
And if you think Kos promotes personal responsibility and integrity, you have bigger problems than just your finances.
As much as it may cost you, take your money table and get out of the temple.
Assessors ceased to factor in population density and real estate supply in calculating prices. Who was in a position to realize that - the buyer or the seller here? Obviously I saw, but how many home buyers have studied any real economics?
Your entire stance has been based on a denial by you personally of assertions that the appraisals were outright lies. I and others have shown how we and others saw that they were lies for some years now. You personally have refused to explain how the fact that the appraisors lied doesn't matter. You haven't attempted to say they didn't lie - just tried to ignore it. It does matter. It did happen. It won't go away. And accusing the people who bring up the lie on the part of the banks of immorality will not make that central factor go away.