Had amortization been higher, that cost would have come out of earnings and increased operating cash, bringing them more in line.

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And a lot of mortgage brokers are presenting to them different, like Mr. Weller said, exotic ways to bring that cost down - reverse amortization loans, interest-only loans, teaser loans.

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On the cost side, we do have more concerns, particularly around the COGS excluding TAC and amortization of intangibles (which we think is a more appropriate view of costs to run the business).

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