Have you got a telephone directory? <a href=" http://streamernews.tv/tag/stream-hatchet/ ">byviagra sildenafil 100mg</a> Kwanho Shin, a Korea University economist who was a consultant to the government, says the rules have a limited effect if house prices are rising fast: Borrowers can simply refinance into bigger mortgages. But when prices fall, the rules can make it harder for homeowners to refinance existing loans.