Nom de Plumber is a Nom de Plume.

————
31 page paper at NY Fed:
THE RISING GAP BETWEEN PRIMARY AND SECONDARY MORTGAGE RATES
Andreas Fuster, Laurie Goodman, David Lucca, Laurel Madar, Linsey Molloy, Paul Willen
http://www.newyorkfed.org/research/conference/2012/mortgage/primsecsprd_frbny.pdf

NDP asks:
So, which regulatory straw broke the camel’s back?
 
1.)    None
2.)    The last straw
3.)    The prior straws
4.)    All of the above.

Thank you.