Techcrunch have completely misunderstood this haven't they.
Fact as a concept, does the model have it?
Just had a bit of fun with it with simple mortgage scenarios and let's just say things are extremely shaky... lol - Do not trust these tools - simply play with them for high level scenarios...
Don't vaguebook about it, post the chat link so we can see how bad it is and so we know how much not to trust it.