My build permit checklist has no sign off on from the inspector for the footings and stem walls.

I live in Colorado where cannabis is legal.

It also stems from a joke in a company I was working at in the early 90s where you'd be sitting in a meeting and when somebody would rattle off something in a meeting that clearly indicated they had no idea what they were talking about, you could pass them a business card with the simple word CLUE written on it.  

Phil type Thing", it stems from an Investor and his wife's opinion of their situation.

Guessing, 80 % of the questions on this site stem from the lack of understanding the basics.If investors were aware of these basics, you could read any guru book one time an get it.

And the more I read and listen about REI, the more I see that a lot of initial success stems from these helpful connections.

This is the most open, sincere, sharing, incredible forum I have ever been on and it stems from the heart of the founders.

The most complaints, dissatisfaction and drama we have from our tenants stem from home warranty repairs or insurance claims.

I have learned that a lot of problems stem from poor communication, and this problem might mend itself if both of you understood each other. 

I've been in that business and seen these types of opinions, which mostly stem from their belief that they understand the trajectory of various financial discussions more than the next person, or Big Government, FED, etc.