Again, maybe some of the investment crowd can chime in here because it's not my forte, but wouldn't this be better as a top-up program? Say if you're at $18,000 and you need the extra $2k to get to 5% rather than a straight up match? If I'm sitting at $20k and get pre-approved, what's to stop me from taking the government's $20k and spending it on hookers and blow?
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