I'd agree that the biggest danger to this market is global warming. 

YEs, it's cheating, but you won't be the first who has done this.Side note - I never understood why a college degree counts for S**t towards being a GC.

This diversity within their team can be viewed as an advantage, as it may provide them with a more global perspective and a better understanding of international clients.I also noticed that they use Zelle under their accounts manager's name, which could indicate a legitimate arrangement for handling transactions.

Here’s what I’d do:- College is not a bad investment, but some degrees are.

Keep heat on minimum of 45 degrees.

If you really need to resolve this issue: (1) get on the phone with their lender to understand the situation; (2) cash deal - you could get something on letterhead from bank and call to confirm, or get an attorney representation for the same.In my opinion, this issue can to some degree resolved by contract terms.

Private placements are inherently risky by that very fact - they are not regulated or audited  to the degree that a publicly traded company is.  

LVP should not be installed above 80 degrees or below 55 degrees.

I am getting my degree in Organizational Communications.

His wife who is in college for a degree that will lead to a great job with great pay when she graduates in June, now has full rent to pay, plus the cost of raising 6 kids by herself.