[Anyone who believes that the buyers of homes under the Growlers understood exactly what they were buying into is willfully ignoring story after story of buyers who received distorted or watered-down information ]

More of the TOTAL BIAS of this quackery.  

COER has a lot of college educated people and lawyers - they are the ones who typically claim "did not know what I was signing".  Ironically, this form was an outgrowth of their not so "WISE" ancestor who got NASWI on the BRAC list in 1991.

Either the "study" author is complete gullible, has a major anti-Navy bias, or both.