IN: Kept in a sturdy case ... so NO scratches ! iPod has my name and cell phone engraved on the back ... but not seen in protective case . Cords included , no headphones though . In perfect working condition .
What may be a fact about the speaker ?

OUT: They are selling their iPod online .

IN: High fees and aggressive marketing have been cited as problems with reverse mortgages . Under the new law , fees will be capped at 2 percent of the first $ 200,000 borrowed and 1 percent on the balance , with a maximum of $ 6,000 in fees . In addition , the law prevents lenders from requiring borrowers to purchase insurance , annuities , or other products as a condition for getting a reverse mortgage . Lenders are also prohibited from working with other professionals who are trying to sell seniors financial products as part of the lending process .
What may have happened before the new law regarding reverse mortgages ?

OUT: Seniors were taken advantage of with high fees

IN: Well kind of , went to bed at like 3:30 . But at least we did nt have to sleep on the floor . In the morning Caroline rang me from downstairs to see if I was awake and then came and " accidentally " jumped on Dearing instead of me [ yeah right ] . Katy also came in and climbed into bed with me in her sleeping bag , and then Miriam and then Smel .
Why does the narrator appear so sluggish ?

OUT:
They went to pass out in the early morning .