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DON'T HELP THAT BUTTERFLY ESCAPE IT'S COCOON...
I had to break the confusing news to my daughter, who by nature, is a big animal lover and someone who is always ready to help.  We both watched that little butterfly struggle and writhe for more than an hour, trying to exit it's cocoon and emerge into it's new world.  She could not understand why I was so uncaring and unwilling to aide that poor little creature.  "Mama, it's stuck - help it!"
I carefully chose my words in explaining that "helping" the poor thing was giving it a death sentence for the days to come.  I stressed to her that in the struggle, these delicate beings develop the strength they will need to survive.  If they receive "help" they won't be strong enough in the days to come and will ultimately die.  Finally, her five year old mind wrapped around the concept and she backed off and began to cheer the creature on. 
I know firsthand that all of these new, seemingly rigid, mortgage guidelines can be totally frustrating; however, I can't help but think of the butterfly's cocoon.  For far too many years, many buyers have received detrimental "help" and have found themselves unable to survive financially as ... more

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