Everyone in the process makes a cut of the pie. The attorney who does the closing, the real estate appraiser makes his cut, the lender makes points and origination fees, the landowner sells his land and the manufactured-home dealer gets his commission.

That's how the system has always been, they [sellers] have become accustomed to it and they can't compete otherwise.

They're sending out all the checks. But they expect to have to make corrections as they get [some of] those checks back.