SEO gives the (false) illusion of credibility.When you do a search for something you automatically assume the first organic result IS actually a trusty site .."

This is why using % for analysis can only result in illusions).Using % for analysis means nothing, and it usually results in nothing but illusions (there's an echo in here...I think in addition to the one I mentioned in the beginning). 

I dont think it will be as obvious as last time, I think lenders are going to go into zombie zone to keep the illusion going, until they cant any longer. $950 x 4 = $3800 x 12 =$45,600 -35% =$29,640/5% = $592,800 Max Improved Value - 20% = $474,000 is where I would want to be for sure.

Yes, image is an illusion, but it's an illusion you can create until people find out more about you.