The deepening vortex of our economy

The Analytics of Loss Causation

I. a material misrepresentation (or omission)

II. scienter, i.e. wrongful state of mind:

III. a connection with the purchase or sale of a security,

i.e. mortgage backed security

IV. reliance, often referred to in cases involving public

securities markets (fraud-on-the-market)

V. economic loss; and

VI. "loss causation" i.e. a casual connection between the

material misrepresentation and the loss.

With progress barreling down on us racing alongside is something we must STOP before it blindsides us with:

- Undue taxation from this revelation of a relevant truth

- Insults to our society

- Mockery of the United States Constitution

- Billions more spent on a Headline that could have been eliminated had it not been for neglect, or conflict of interest.

Top 10 reasons Why Curbing Mortgage Fraud is more difficult than Demolishing another Country:

1. The lack of Funding for Local Enforcement. Did they spend it all on war efforts?

2. "Because the borrower signed" they are stupid - common consensus amongst individuals with conflict of interest.

3. "Yes the Emperor has new clothes". Homes that are worth what they originally were are now 308% since 2004. A transaction we found used as a comparable transacted for $1,500,000.00 in Littlerock, Ca.93543 An unincorporated area where 20% of the population live below the poverty level. And commuting to a meager job would take a minimum 65 miles one way.

4. #3 was already good for 4, 5 and 6

7. Eminent Domain's exercise of securing properties in preparation for the High Desert Corridors (HDC) SR-138 Expansion is now the new standard for Appraisal and Loan Underwriting Guidelines exemplified in the above aforementioned zip code. What exit did they dump Due Diligence?

8. #7 is worth 3 points covering 8,9 and 10.

These people are waiving the RED FLAGS and smiling.

Most concerned,

Robert Tapia

Consumer Advocate

Avenue S Mortgage Document Auditing, Inc. Ca. Lic.

avenues.lendinghand@gmail.com