Context: The first episode that challenged my trust in USAA was the phone call that made it clear to me that USAA had thrown me a lowball estimate to lure my business . The loan processor called and informed me that the closing costs were going to be $ 3,100 more than the original " good faith " estimate , due to things such as the county taxes . I voiced my displeasure with this , and the loan processor said she would run the numbers again and call me back . After recalculating , she called me back with a new estimate of closing costs that was only $ 1,200 higher than the original estimate .

Question: Why might USAA have quoted me a $ 3,100 amount for closing ?
Options:
0. They thought they could get away with charging me more than they should .
1. None of the above choices .
2. They were attempting to gain my trust with giving me the correct figures up front .
3. The loan processor said they made a mistake and it was actually $ 1200 more .
Answer: 0