Here is the evidence that changed my mind. The NY AG has some real issues: Evidence DOJ says proves Letitia James defrauded the bank: 1. Claimed Norfolk home was a “secondary residence” to get better loan terms 2. Signed a “Second Home Rider” promising to live there 3. Actually rented it out to tenants 4. Reported rental income on her tax returns 5. Told insurer it was owner-occupied 6. Saved ~$18,933 from the false claim — Case filed 10/9/25, E.D. Va.