At the same time, if the analysis which is the basis of the complaint is proven to be true, what then? The suit alleges a two-basis-point differential during the Class Period (and more during a sub-period). However, our analysis found both higher and lower readings on average throughout.Even if we consistently found a two-basis-point increase on the first of the month, which we didn't, it wouldn't make much of a fiscal difference. Why? A two-basis-point differential in the interest rate (from 5.00 percent to 5.02 percent) on a $100,000 loan with a 30-year term would amount to $1.22 more per month in a given six-month period. According to the complaint, the “plaintiffs aver that the class exceeds more than 10,000 borrowers nationwide," and that's fine, but what might the actual damages to an individual borrower amount to, if they even exist? This is the question which needs to be answered.