I don't disagree with you in a wider sense. But for Harmoney to be systematically operating two algorithms or manually biffing mis-priced loans to retail would be quite outrageous to me and seems unlikely. Possible I suppose, and maybe they could even justify it with commercial arguments. I would be very interested if others think this is probable. Certainly doesn't give you a warm feeling to know that there is a parallel platform with undisclosed RAR but I haven't visited the disclosures lately so maybe it is covered off somewhere.