[valuearb]

His job is to assess the long term value of the business, part of that is an evaluation of the content of managements character. He's bought at least a hundred businesses, and invested in hundreds of public companies. He's proven a great judge of character, but that doesn't make him perfect.

Clayton Homes makes mobile homes, which are super cheap homes for low income people. Their customers are poor credit risks and default frequently, so Clayton compensates by charging high interest rates.

So is Clayton preying on their desire to have a home?

Or is Clayton offering people who can't afford traditional homes the opportunity to have their own?

Should their customers instead save their money for many more years till they are able to afford a traditional home and improve their a credit score to get a better loan?

Critics of Clayton greatly over-simplify the ethics of its business and how it runs it.