SHARED APPRECIATION MORTGAGE,MORTGAGE,LENDER,LOAN,ACCEPT,PAYMENT,SHARE,INCREASE,VALUE,APPRECIATION,THE PROPERTY,ARRANGED,EQUITY RELEASE,LOANS,THE BORROWER,CAPITAL,IN RETURN,THE FUTURE,THE BORROWERS,RETAIN,THE RIGHT,TO LIVE,UNTIL DEATH,MORTGAGES,SOLD,ALWAYS,TURNED,BENEFICIAL,OUT IN,BARCLAYS BANK,BANK OF SCOTLAND,TARGETING,THE SHARP,RISES,MARKET,CUSTOMERS,THE EQUIVALENT,PROPERTY,INTEREST,FREE,THE BANKS,GAIN,ONCE,THE ORIGINAL,THE LAST TEN YEARS,SEEN,PRICES,TIMES,FIND,THEMSELVES,TRAPPED,EXAMPLE,WORTH,THE CLIENT,THE CONTRACT,DEATH,CLAIM,THE DIFFERENCE,PLUS,THEREFORE,BANK,THE CURRENT,PROBLEM,CUSTOMER,SELL,MOVE,PLAY,DOWNGRADING,SMALLER,HALF,SIZE,CURRENT,COST,THUS,RISING,LONG TERM,TYPE,DETRIMENTAL,ON THE OTHER HAND,DECLINED,EFFECTIVELY,SAVE,LOSS,HAVE GOT,HOPE,LEGAL SETTLEMENT,VICTIMS,LEGAL REMEDIES,INTEREST RATE,RATE,EXCHANGE,COLLATERAL,CONTINGENT INTEREST,DETERMINED,THE SALE,OR AT,TERMINATION,INSTANCE,SUPPOSE,PUTS,DOWN,TAKES,AMORTIZED,MONTHLY,REDUCED,SAVING,PAYMENTS,COMES,TRADE OFF,THE AGREEMENT,MUST,PROFIT,RISK,RELATED,HENCE,WHETHER,DEPENDS,ON THE CONDITIONS,HOUSING MARKET,EQUITY SHARING,AGREEMENT,PRINCIPAL,OBLIGATION,EXTENT,WHATEVER,SIMPLY,ZERO,REVENUE RULING,THE INTERNAL REVENUE SERVICE,CONDITIONS,TAX DEDUCTIBLE,MORTGAGE INTEREST,PARTICULAR,STIPULATE,LEAD,TAX,CONSEQUENCES,COMPLEXITY,LAWS,TERMS,SITUATIONS,PRIVATE,NONCOMMERCIAL,SHOULD,ALWAYS BE,EXECUTED,COUNSEL,REAL ESTATE,ATTORNEY,CLAUSES,NON PROFITS,LOCAL,GOVERNMENTAL,STRUCTURED,SILENT,BORROWERS,THE HOME,CASES,THE FAMILY,FULL,AMOUNT,PRICE,SUBSIDIZING,ENTITY,HOME PRICES,PRESERVE,BUYING POWER,PUBLIC,COMMON,APPROACH,DESIGNING,PAYABLE,PURCHASE,SUBSIDIZED,FAMILY,SUBSIDY,BUY,GIVE,THE COMMUNITY,PERCENT,DIVIDED BY,HOME PRICE,ADDITION,INITIAL,LIMITATIONS ON,USURY,MAXIMUM,EFFECTIVE,THE MONEY,LENT,THE CASE,DOWN PAYMENT,ASSISTANCE,CITY OF SEATTLE,