diff --git a/app/playgrounds/__init__.py b/app/playgrounds/__init__.py
new file mode 100644
index 0000000..b791a2a
--- /dev/null
+++ b/app/playgrounds/__init__.py
@@ -0,0 +1,5 @@
+from flask import Blueprint
+
+bp = Blueprint('playgrounds', __name__)
+
+from app.playgrounds import routes
\ No newline at end of file
diff --git a/app/playgrounds/controller.py b/app/playgrounds/controller.py
new file mode 100644
index 0000000..81b439e
--- /dev/null
+++ b/app/playgrounds/controller.py
@@ -0,0 +1,426 @@
+from csv import DictReader, DictWriter
+from flask import current_app
+from math import isclose, floor
+import boto3
+import requests
+import base64
+
+_FANNIE_ACCESS_TOKEN = None
+
+
+class Range:
+    def __init__(self, min_val, max_val):
+        self.min = min_val
+        self.max = max_val
+
+    def __eq__(self, other):
+        return self.max == other.max and self.min == other.min
+
+    def __str__(self):
+        return f'{self.min}-{self.max}'
+
+    def __hash__(self):
+        return hash(self.__str__())
+
+    def __contains__(self, item):
+        return self.min <= item <= self.max
+
+    def within_range(self, other):
+        return self.min >= other.min and self.max <= other.max
+
+    def contains_range(self, other):
+        return self.max >= other.max and self.min >= other.min
+
+    def is_nested_or_contains(self, other):
+        return self.within_range(other) or self.contains_range(other)
+
+
+class FICORange(Range):
+    def __init__(self, csv_fico_str):
+        if '+' in csv_fico_str:
+            min_fico = int(csv_fico_str.replace('+', ''))
+            max_fico = 850
+        else:
+            split_str = csv_fico_str.split('-', 1)
+            min_fico = int(split_str[0])
+            max_fico = int(split_str[1])
+        super(FICORange, self).__init__(min_fico, max_fico)
+
+
+class LTVMRERange(Range):
+    def __init__(self, csv_ltv_mre_str):
+        if '<=' in csv_ltv_mre_str:
+            min_ltv = 0.0
+            max_ltv = float(csv_ltv_mre_str.replace('<=', ''))
+        else:
+            split_str = csv_ltv_mre_str.split('-', 1)
+            min_ltv = float(split_str[0])
+            max_ltv = float(split_str[1])
+        super(LTVMRERange, self).__init__(min_ltv, max_ltv)
+
+
+class DTIRange(Range):
+    def __init__(self, csv_dti_str):
+        div_factor = 1
+        if '%' in csv_dti_str:
+            csv_dti_str = csv_dti_str.replace('%', '')
+            div_factor = 100
+
+        split_str = csv_dti_str.split('-', 1)
+        min_ltv = float(float(split_str[0])/div_factor)
+        max_ltv = float(float(split_str[1])/div_factor)
+        super(DTIRange, self).__init__(min_ltv, max_ltv)
+
+
+class HomeGroupData:
+
+    def __init__(self, fico_range, ltv_range, dti_range, net_loss_rate, loss_severity, pool_percentage=None, avg_home_value=None):
+        self.fico_range = fico_range
+        self.ltv_range = ltv_range
+        self.dti_range = dti_range
+        self.net_loss_rate = net_loss_rate
+        self.loss_severity = loss_severity
+        self.pool_percent = pool_percentage
+        self.nominal_purchase_price = avg_home_value
+        self.nominal_home_value = avg_home_value
+        self.hpi_accrual_per_month = []
+        self.monthly_value = []
+        self.rp_assets = 0.0
+        self.home_count = 1
+
+
+class RPAssets:
+    def __init__(self, hpi_value, asset_tkn_value, cash_value):
+        self.hpi_value = hpi_value
+        self.asset_tkn_value = asset_tkn_value
+        self.cash_value = cash_value
+
+    @property
+    def total_value(self):
+        return self.hpi_value + self.asset_tkn_value + self.cash_value
+
+
+class RiskPool:
+    pass
+
+
+def find_nested_range_in_list(desired_range, listed_ranges):
+    for possible_nested in listed_ranges:
+        if desired_range.is_nested_or_contains(possible_nested):
+            return possible_nested
+    return None
+
+
+def load_csv_data(default_risks_file, example_homes_file, pool_makeup_file, hpi_accrual_rate_file):
+
+    # Load all the file data
+
+    def_risks_field_names = ['FICO Range', 'LTV/MRE', 'DTI', 'Net Loss Rate', 'Ever DQ180+', 'Severity']
+    with open(default_risks_file) as def_file:
+        default_risks_data = DictReader(def_file, def_risks_field_names)
+        next(default_risks_data, None)
+        # Start remapping the data to home group data objects
+        home_data = [
+            HomeGroupData(
+                FICORange(row['FICO Range']),
+                LTVMRERange(row['LTV/MRE']),
+                DTIRange(row['DTI']),
+                float(float(row['Net Loss Rate'].replace('%', ''))/100.00),
+                float(float(row['Severity'].replace('%', ''))/100.00)
+            ) for row in default_risks_data]
+
+    makeup_field_names = ['FICO', 'LTV', 'DTI', 'Percentage of Pool']
+    with open(pool_makeup_file) as makeup_file:
+        pool_makeup_data = DictReader(makeup_file, makeup_field_names)
+        next(pool_makeup_data, None)
+        # create a map of the ranges to the data
+        fico_ltv_dti_range_to_pool_makeup = {}
+        for row in pool_makeup_data:
+            fico_range = FICORange(row['FICO'])
+            ltv_range = LTVMRERange(row['LTV'])
+            dti_range = DTIRange(row['DTI'])
+            value = row['Percentage of Pool']
+            if fico_range not in fico_ltv_dti_range_to_pool_makeup:
+                fico_ltv_dti_range_to_pool_makeup[fico_range] = {ltv_range: {dti_range: value}}
+            elif ltv_range not in fico_ltv_dti_range_to_pool_makeup[fico_range]:
+                fico_ltv_dti_range_to_pool_makeup[fico_range][ltv_range] = {dti_range: value}
+            else:
+                fico_ltv_dti_range_to_pool_makeup[fico_range][ltv_range][dti_range] = value
+
+    examples_field_names = ['FICO Range', 'LTV/MRE', 'DTI', 'Purchase Price']
+    with open(example_homes_file) as ex_file:
+        example_homes_data = DictReader(ex_file, examples_field_names)
+        next(example_homes_data, None)
+        # create a map of the ranges to the data
+        fico_ltv_dti_range_to_example_homes = {}
+        for row in example_homes_data:
+            fico_range = FICORange(row['FICO Range'])
+            ltv_range = LTVMRERange(row['LTV/MRE'])
+            dti_range = DTIRange(row['DTI'])
+            value = row['Purchase Price']
+            if fico_range not in fico_ltv_dti_range_to_example_homes:
+                fico_ltv_dti_range_to_example_homes[fico_range] = {ltv_range: {dti_range: value}}
+            elif ltv_range not in fico_ltv_dti_range_to_example_homes[fico_range]:
+                fico_ltv_dti_range_to_example_homes[fico_range][ltv_range] = {dti_range: value}
+            else:
+                fico_ltv_dti_range_to_example_homes[fico_range][ltv_range][dti_range] = value
+
+        # add everything to the home group data
+        for group in home_data:
+            # Try to find the Fico score range
+            fico_range = find_nested_range_in_list(group.fico_range, fico_ltv_dti_range_to_pool_makeup)
+            # if no appropriate fico range was found, then we need to set the pool makeup to 0
+            pool_makeup = 0
+            # if there was a good FICO range
+            if fico_range:
+                ltv_to_dti = fico_ltv_dti_range_to_pool_makeup[fico_range]
+                # look for an LTV range
+                ltv_range = find_nested_range_in_list(group.ltv_range, ltv_to_dti)
+                # if one is found
+                if ltv_range:
+                    dti_to_res = ltv_to_dti[ltv_range]
+                    # look for a DTI range
+                    dti_range = find_nested_range_in_list(group.dti_range, dti_to_res)
+                    # if we find everything
+                    if dti_range:
+                        # store the found value
+                        pool_makeup = float(float(dti_to_res[dti_range].replace('%', ''))/100.0)
+
+            fico_range = find_nested_range_in_list(group.fico_range, fico_ltv_dti_range_to_example_homes)
+            # if no appropriate fico range was found, then we need to set the pool makeup to 0
+            avg_home_value = 0
+            # if there was a good FICO range
+            if fico_range:
+                ltv_to_dti = fico_ltv_dti_range_to_example_homes[fico_range]
+                # look for an LTV range
+                ltv_range = find_nested_range_in_list(group.ltv_range, ltv_to_dti)
+                # if one is found
+                if ltv_range:
+                    dti_to_res = ltv_to_dti[ltv_range]
+                    # look for a DTI range
+                    dti_range = find_nested_range_in_list(group.dti_range, dti_to_res)
+                    # if we find everything
+                    if dti_range:
+                        # store the found value
+                        avg_home_value = float(dti_to_res[dti_range].replace('$', '').replace(',', '').strip())
+
+            group.pool_percent = pool_makeup
+            group.nominal_home_value = avg_home_value
+            group.nominal_purchase_price = avg_home_value
+
+            hpi_accrual = []
+
+            hpi_acc_field_names = ['Month', 'HPI']
+            with open(hpi_accrual_rate_file) as hpi_acc_file:
+                hpi_accrual_data = DictReader(hpi_acc_file, hpi_acc_field_names)
+                next(hpi_accrual_data, None)
+                hpi_accrual = [
+                    float(float(row['HPI'].replace('%', ''))/100.0) for row in hpi_accrual_data]
+
+    return home_data, hpi_accrual
+
+
+def set_home_count(home_data, total_home_count):
+    # theoretically the best possible accuracy is 1/total_home_count, as that is the amount we can increment by
+    best_poss_acc = 1/total_home_count
+    for group in home_data:
+        # floor so that we know we are under shooting the target
+        group.home_count = floor(total_home_count * group.pool_percent)
+        computed_percent = float(group.home_count/total_home_count)
+        while not isclose(computed_percent, group.pool_percent, abs_tol=best_poss_acc):
+            # truncating with multiplication should only lower the possible home count
+            group.home_count += 1
+            computed_percent = float(group.home_count/total_home_count)
+            close_enough = isclose(computed_percent, group.pool_percent, abs_tol=best_poss_acc)
+            print(close_enough)
+
+    # # If there are too many homes, correct by looking for groups that have too many, changing home values by 1
+    # # should be enough, since truncation should never cause a larger error than that
+    # while total_home_count - tollerance > total_homes > total_home_count + tollerance:
+    #     for group in home_data:
+    #         if group.pool_percent * total_home_count > group.home_count:
+    #             group.home_count -= 1
+    #             total_homes -= 1
+    #         if total_homes <= total_home_count:
+    #             break
+
+
+def compute_group_monthly_payment(group_data, return_percent):
+    return compute_monthly_payment(group_data.nominal_home_price, return_percent)
+
+
+def compute_monthly_payment(home_price, return_percent):
+    nominal_interest_rate = ((1.0 + (return_percent / 12.0)) ** 12.0) - 1.0
+    monthly_payment = home_price * nominal_interest_rate / 12.0
+    return monthly_payment
+
+
+def compute_risk_pool_assets(home_data, hpi_accrual_data, total_homes=200, risk_pool_allocation=0.01, occupancy_fee_rate=0.04):
+    rp_assets_per_month = []
+    first_month_asset_tkn_value = 0.0
+    first_month_hpi_val = 0.0
+    first_month_cash_val = 0.0
+    first_month_liabilities = 0.0
+    set_home_count(home_data, total_homes)
+    home_total = 0
+    # get the first month data
+    for group in home_data:
+        first_month_asset_tkn_value += group.nominal_home_value * risk_pool_allocation * group.home_count
+        first_month_liabilities += group.nominal_home_value * group.loss_severity * group.net_loss_rate * group.home_count
+        home_total += group.home_count
+
+    first_month = {
+        'Time Period': 'Month 1',
+        'Asset Token Value': f'${first_month_asset_tkn_value:.2f}',
+        'HPI Token Value': '$0.00',
+        'Cash in Pool': '$0.00',
+        'Total Pool Assets': f'${first_month_asset_tkn_value:.2f}',
+        'Pool Liability': f'${first_month_liabilities:.2f}',
+        'Ratio': f'{float(first_month_asset_tkn_value/first_month_liabilities):0.4f}',
+        'Home Count': f'{home_total}'
+    }
+
+    rp_assets_per_month.append(first_month)
+    rp_hpi_val = first_month_hpi_val
+    asset_tkn_val = first_month_asset_tkn_value
+    cash_val = first_month_cash_val
+    # go through each month
+    for i in range(len(hpi_accrual_data)):
+        # Add the monthly take to the pool total
+        monthly_rp_assets = compute_monthly_risk_pool_assets(home_data, hpi_accrual_data[i], risk_pool_allocation, occupancy_fee_rate)
+        # get the totals for the month
+        rp_hpi_val += sum([a.hpi_value for a in monthly_rp_assets])
+        # The value of asset tokens does not change until the high watermark is implemented.
+        asset_tkn_val = sum([a.asset_tkn_value for a in monthly_rp_assets])
+        cash_val += sum([a.cash_value for a in monthly_rp_assets])
+        # increase the total value
+        pool_total_assets = cash_val + asset_tkn_val + rp_hpi_val
+
+        # get the liabilities
+        monthly_liabilities = compute_pool_liabilities(home_data)
+        total_liabilities = monthly_liabilities
+        # i+2 is used since the HPI tokens only accrue to the following month, and the first month is done manually
+        rp_assets_per_month.append({'Time Period': f'Month {i + 2}',
+                                    'Asset Token Value': f'${asset_tkn_val:.2f}',
+                                    'HPI Token Value': f'${rp_hpi_val:.2f}',
+                                    'Cash in Pool': f'${cash_val:.2f}',
+                                    'Total Pool Assets': f'{pool_total_assets:.2f}',
+                                    'Pool Liability': f'${monthly_liabilities:.2f}',
+                                    'Ratio': f'{float(pool_total_assets/total_liabilities):.4f}',
+                                    'Home Count': f'{home_total}'})
+
+    return rp_assets_per_month
+
+
+def compute_monthly_risk_pool_assets(home_data, hpi_accrual, risk_pool_allocation=0.01, return_percent=0.04):
+    monthly_assets = []
+    for group in home_data:
+        # get the hpi take
+        risk_pool_hpi_take = group.nominal_home_value * hpi_accrual * risk_pool_allocation * group.home_count
+        # update the current monthly value
+        group.monthly_value.append(float(group.nominal_home_value * hpi_accrual))
+        # reset the nominal home value
+        group.nominal_home_value += (group.nominal_home_value * hpi_accrual)
+        rp_asset_tkn_val = group.nominal_purchase_price * risk_pool_allocation * group.home_count
+        # add the risk pool monthly income take
+        risk_pool_tic_fee_take = float(compute_monthly_payment(group, return_percent) * risk_pool_allocation) * group.home_count
+        # get the total assets
+        monthly_assets.append(RPAssets(risk_pool_hpi_take, rp_asset_tkn_val, risk_pool_tic_fee_take))
+    return monthly_assets
+
+
+def compute_pool_liabilities(home_data):
+    rp_liabilities_tot = 0.0
+    for group in home_data:
+        risk_pool_net_loss = group.loss_severity * group.nominal_home_value * group.net_loss_rate
+        risk_pool_weighted_loss = risk_pool_net_loss * group.home_count
+        rp_liabilities_tot += risk_pool_weighted_loss
+
+    return rp_liabilities_tot
+
+
+def _get_fannie_auth_token():
+    fannie_auth_url = 'https://auth.pingone.com/4c2b23f9-52b1-4f8f-aa1f-1d477590770c/as/token'
+    fannie_client_id_secret = f'{current_app.config["FANNIE_CLIENT_ID"]}:{current_app.config["FANNIE_CLIENT_SECRET"]}'
+    b64_encoded = base64.b64encode(bytes(fannie_client_id_secret, 'utf-8'))
+    fannie_client_id_secret = b64_encoded.decode('utf-8')
+    headers = {
+        'Authorization': f'Basic {fannie_client_id_secret}',
+        'Content-type': 'application/x-www-form-urlencoded'
+    }
+    data = 'grant_type=client_credentials'
+    response = requests.post(fannie_auth_url, headers=headers, data=data)
+    if response.status_code == 200:
+        json_data = response.json()
+        return json_data['access_token']
+    else:
+        return None
+
+
+def _fetch_data_from_fannie(year):
+    if not current_app.config.get('FANNIE_AUTH_TOKEN'):
+        current_app.config['FANNIE_AUTH_TOKEN'] = _get_fannie_auth_token()
+
+    def request_fannie_data():
+        fannie_single_family_home_url = f'http://api.fanniemae.com/v1/sf-loan-performance-data/years/{year}/quarters/All'
+        fannie_headers = {
+            'x-public-access-token': f'`Bearer` {current_app.config.get("FANNIE_AUTH_TOKEN")}',
+            'accept': 'application/json'
+        }
+        return requests.get(fannie_single_family_home_url, headers=fannie_headers)
+
+    response = request_fannie_data()
+
+    if response.status_code == 401:
+        current_app.config['FANNIE_AUTH_TOKEN'] = _get_fannie_auth_token()
+        response = request_fannie_data()
+
+    if response.status_code == 200:
+        return response
+
+
+def compute_mre(risk_pool_data, occupant_income, occupant_fico, home_price, default_rate_data, recovery_rate=0.9, loss_severity=0.19):
+    if occupant_fico < 620:
+        raise ValueError('FICO score too low.')
+
+    default_rate = 0.01
+    used_loss_severity = loss_severity
+    for group in default_rate_data:
+        if occupant_fico in group.fico_range:
+            used_loss_severity = group.loss_severity
+            default_rate = group.net_loss_rate/2        # divide by 2 since we are including the 4 month buffer
+            break
+
+    income_buffer_percent = (4 * compute_monthly_payment(home_price, 0.04))/home_price
+    loss_amount = home_price * used_loss_severity
+    default_risk = 1/default_rate
+    recovery_amt = 0.01 * home_price/recovery_rate
+    mre = (loss_amount - default_risk * recovery_amt)/home_price
+    if mre > 0.01:
+        return mre + income_buffer_percent
+    return 0.01 + income_buffer_percent
+
+
+def load_default_rate_file(def_rate_file):
+    def_risks_field_names = ['FICO Range', 'LTV/MRE', 'DTI', 'Net Loss Rate', 'Ever DQ180+', 'Severity']
+    with open(def_rate_file) as def_file:
+        default_risks_data = DictReader(def_file, def_risks_field_names)
+        next(default_risks_data, None)
+        # Start remapping the data to home group data objects
+        home_data = [
+            HomeGroupData(
+                FICORange(row['FICO Range']),
+                LTVMRERange(row['LTV/MRE']),
+                DTIRange(row['DTI']),
+                float(float(row['Net Loss Rate'].replace('%', '')) / 100.00),
+                float(float(row['Severity'].replace('%', '')) / 100.00)
+            ) for row in default_risks_data]
+
+    return home_data
+
+
+
+
+
+
+
diff --git a/app/playgrounds/exel EQ b/app/playgrounds/exel EQ
new file mode 100644
index 0000000..4eded3b
--- /dev/null
+++ b/app/playgrounds/exel EQ	
@@ -0,0 +1 @@
+(purchase_price*loss_severity) - (1/(def_rate) * (purchase_price*0.01))/recovery_rate/home_price+income_buffer_percent,0.01+C7
\ No newline at end of file
diff --git a/app/playgrounds/forms.py b/app/playgrounds/forms.py
new file mode 100644
index 0000000..5398c70
--- /dev/null
+++ b/app/playgrounds/forms.py
@@ -0,0 +1,27 @@
+from flask_wtf import FlaskForm as Form
+from flask_wtf.file import FileField
+from wtforms.fields import IntegerField, FloatField
+from wtforms import validators
+from app_common.fields import PercentageField, DollarAmountField
+
+
+class HpiValuePredictForm(Form):
+    default_risks = FileField('Default Risk CSV')
+    example_homes = FileField('Example Homes CSV')
+    pool_makeup = FileField('Pool Makeup CSV')
+    hpi_accrual_rate = FileField('HPI Accrual Rate CSV')
+    risk_pool_take_percent = PercentageField('Risk Pool Allocation', default=0.01, places=2,
+                                             validators=[validators.Optional(), validators.NumberRange(min=0.0025, max=0.10)])
+    tic_fee = PercentageField('TIC Fee', default=0.04, places=2,
+                              validators=[validators.Optional(), validators.NumberRange(min=0.01, max=0.10)])
+    number_of_homes = IntegerField('Total Number of Homes', default=200, validators=[validators.NumberRange(min=100)])
+
+
+class MREForm(Form):
+    occupant_fico = IntegerField('Occupant PICO Score', default=640, validators=[validators.Required(), validators.NumberRange(min=620, max=850)])
+    occupant_income = DollarAmountField('Occupant Income', default=50000, validators=[validators.Optional()])
+    home_price = DollarAmountField('Home Purchase Price', default=250000.00, validators=[validators.Required()])
+    default_rates = FileField('Default Rate File')
+    risk_pool_makeup = FileField('Risk Pool Makeup')
+
+
diff --git a/app/playgrounds/routes.py b/app/playgrounds/routes.py
new file mode 100644
index 0000000..590c2fd
--- /dev/null
+++ b/app/playgrounds/routes.py
@@ -0,0 +1,85 @@
+import csv
+import os
+from flask import render_template, request, url_for, session, redirect, current_app, send_file
+from flask_login import current_user
+from app.playgrounds import bp
+from app.playgrounds import forms
+from werkzeug.utils import secure_filename
+from app.playgrounds.controller import load_csv_data, compute_risk_pool_assets, _fetch_data_from_fannie, load_default_rate_file, compute_mre
+from datetime import datetime
+# import app.auth.google
+
+
+@bp.route('/risk_pool_generator', methods=['GET', 'POST'])
+def generate_risk_pool():
+    # _fetch_data_from_fannie(2008)
+    form = forms.HpiValuePredictForm(request.form)
+    if form.validate_on_submit():
+        default_risks_file = form.default_risks.name
+        saved_def_risks_file_path = os.path.join(current_app.config['UPLOAD_PATH'],
+                                                 f'{secure_filename(default_risks_file)}.csv')
+
+        example_homes_file = form.example_homes.name
+        saved_ex_homes_file_path = os.path.join(current_app.config['UPLOAD_PATH'],
+                                                f'{secure_filename(example_homes_file)}.csv')
+
+        pool_makeup_file = form.pool_makeup.name
+        saved_makeup_file_path = os.path.join(current_app.config['UPLOAD_PATH'],
+                                              f'{secure_filename(pool_makeup_file)}.csv')
+
+        hpi_accrual_file = form.hpi_accrual_rate.name
+        saved_hpi_acc_file_path = os.path.join(current_app.config['UPLOAD_PATH'],
+                                               f'{secure_filename(hpi_accrual_file)}.csv')
+
+        for f in [hpi_accrual_file, pool_makeup_file, example_homes_file, default_risks_file]:
+
+            if not os.path.exists(current_app.config['UPLOAD_PATH']):
+                os.makedirs(current_app.config['UPLOAD_PATH'])
+
+            csv_data = request.files[f].read().decode('utf-8').replace('\r', '')
+            f = os.path.join(current_app.config['UPLOAD_PATH'], f'{secure_filename(f)}.csv')
+            open(f, 'w+').write(csv_data)
+
+        home_data, hpi_accrual_data = load_csv_data(saved_def_risks_file_path, saved_ex_homes_file_path, saved_makeup_file_path, saved_hpi_acc_file_path)
+
+        risk_pool_take = form.risk_pool_take_percent.data
+        occupancy_fee_rate = form.tic_fee.data
+
+        rp_asset_liability_data = compute_risk_pool_assets(home_data, hpi_accrual_data, form.number_of_homes.data, risk_pool_take, occupancy_fee_rate)
+
+        time_str = datetime.now().strftime('%Y%m%d_%H%M%S')
+        out_file_path = os.path.join(current_app.config['UPLOAD_PATH'], f'Risk_Pool_Data_{time_str}.csv')
+
+        with open(out_file_path, 'w', newline='') as csv_out:
+            field_names = ['Time Period', 'Asset Token Value', 'HPI Token Value', 'Cash in Pool', 'Total Pool Assets',  'Pool Liability', 'Ratio', 'Home Count']
+            csv_writer = csv.DictWriter(csv_out, fieldnames=field_names)
+            csv_writer.writeheader()
+            for row in rp_asset_liability_data:
+                csv_writer.writerow(row)
+
+        return send_file(os.path.join('..', out_file_path), as_attachment=True)
+
+    return render_template('risk_pool_generator.html', form=form)
+
+
+@bp.route('/mre', methods=['GET', 'POST'])
+def mre_playground():
+    form = forms.MREForm(request.form)
+
+    if form.validate_on_submit():
+        # save the uploaded default rate file
+        default_risks_file = form.default_rates.name
+        saved_def_risks_file_path = os.path.join(current_app.config['UPLOAD_PATH'],
+                                                 f'{secure_filename(default_risks_file)}.csv')
+
+        csv_data = request.files[default_risks_file].read().decode('utf-8').replace('\r', '')
+        f = os.path.join(current_app.config['UPLOAD_PATH'], f'{secure_filename(default_risks_file)}.csv')
+        open(f, 'w+').write(csv_data)
+
+        default_data = load_default_rate_file(saved_def_risks_file_path)
+
+        mre = compute_mre({}, form.occupant_income.data, form.occupant_fico.data, form.home_price.data, default_data)
+        return render_template('mre_generator.html', form=form, mre=f'{mre * 100:.2f}%')
+
+    return render_template('mre_generator.html', form=form, mre=None)
+