Do you know if there is an audio book version?

Richest Man in Babylon (Audio version because it had some unique names/words)3.

If the SPD is not available, the plan administrator or human resources department should be contacted for a copy of the most updated version.

I think there are advantages to both versions, as pointed out on this thread.

Unless their is Wholeseller version of the ACLU who will take the case on pro bono or the members of this forum want to start a Go Fund Me to challenge the law, the most rational thing to do is get a license.

the bathroom-for-every-bedroom idea - I realize it may be cost-prohibitive to do six bathrooms but try for at least four, more if you can manage it, and be strategic about their placement as you plan how the house can be sectioned off into different sizes of STRs.I have a 3/3 STR house that can be partitioned into 1/1, 2/2, or 3/3 versions - it gets a little complicated to keep it straight with the cleaning crew and making sure the appropriate doors are locked/unlocked, but the flexibility is great in what is (for me) a very seasonal market.  

Here's the short version of the story.

Would anyone be willing to share an anonymized version of the spreadsheet they keep?

For FICO scores calculated from older versions of the scoring formula, this window is 14 days; for FICO scores calculated from the newest versions of the scoring formula, it’s 45 days."

@Val Jaz just FYI you can change your name in your profile settings to just show your last initial as a lot of us have done, and I believe it will retroactively convert all your old posts including this one to the initial version, less likely to pop up on top of a google search that way, might not be a bad idea.