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<p>[QUOTE=&quot;Leadfoot, post: 1444512, member: 2972&quot;]Intent is always difficult to ascribe, whether we&#039;re talking about AT/NT or gradeflation.</p><p><br /></p><p>G, is it possible that the market changed and the TPGs went along with them, and this is what has caused what you describe as loosening -- or are you arguing that they simply diverged from the market and loosened their standards (for a yet to be defined reason)?</p><p><br /></p><p>Getting past that, and presuming for a moment that you&#039;re correct that they intentionally loosened their standards, what reason would you propose was behind their intent?</p><p><br /></p><p>Just curious...Mike[/QUOTE]</p><p><br /></p>

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