Yes, thank you, Randy! I actually laughed when I saw you post that because I agree it is still very helpful and relevant. However, in an exam in 2007, the examiner and I had been going back and forth on this issue of prequals and preapprovals. I brought that out to show him and support what I was trying to say, and he specifically said, "That is an old publication and no longer relevant." Ultimately, he came over to my side, but it took quite a few discussions.
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