thanks, Alex! we did not expect credit scores to matter as much, and I'm still pondering over the implications for housing affordability

whether the mandate (c) reduces adverse selection or causes market unraveling depends on the details of (a) and (b)

For b) we also need to specify what homes are covered by the public option (all homes? cf US flood insurance. only the riskiest homes? cf FAIR plans), BUT also the state involvement (full involvement like US flood insurance, or a backstop above given threshold like in France?)

What matters for (a) is rates regulation (what price are insurers allowed to charge?)