POZ, I think you’ve got a good start here. Though I think it needs more emphasis on how this would hurt us. Not only is it a slap in the face to those of us who took the responsible route, but could actually lead to financial difficulties for us. I know that you’ve included a paragraph about that, but I think that should be the main emphasis of the letter. If they respond best to sob stories, let’s give them one. If possible, it would be good to show just how many of us there are. Though I’m not sure how one would come up with the numbers for that. Perhaps the number of households with incomes of 100k+ who did not buy, i.e. are currently renting?