This Sunday's paper had a Dilbert cartoon strip that caught my attention and related directly to how mortgages are being offered in the name of "competition". 

The Dilbert cartoon was about the boss asking Dilbert to prepare a proposal that is full of lies and which if they were to win, they would have to add "unexpected" changes that would eventually drive the costs up. 

Dilbert points out that they didn't have the right products nor the expertise to handle the customer's needs.  The boss then says to say they do and they will figure it out later.  Then Dilbert points out that they would still be the most expensive bidder to which the boss says to bid low and they will make it up in changes and unexpected essential upgrades.

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