How do your banks deal with an unsecured credit application by one spouse only where the applicant spouse may own real property in his/her own name, but it is subject to the "dower" interest of the other spouse? Do you make a state specifc discount analysis of the interest in jointly owned property on each application, as to the bank's ability to reach such assets for the debts of the applicant? Or do you have a simpler alternative? We are struggling with this one, not only with dower, but tenancy by the entireties, joint ownership with right of survivorship, untitled personal property, etc., etc. Any ideas on avoiding the complicated analysis which seems to be mandated by the Offical Staff interpretations to 202.7 (d) (2)? Help!