Not to beat a dead horse but the laws for inlaw unit in oakland are actually pretty relaxed now. 

The best known crooks in the world are Horse traders.

I am sure they have... but their teaching makes no sense.The only way it seems to do it is follow their direction, you then realize that it is all horse crap, and you are forced to tweak it so that it works.

Hear it from the horses mouth, call the tax collectors office and ask.

I have recently completed a tour of Ocala and it has a lot going for it with a Chewy's plant and new billion dollar horse facility. 

The other end is that knowing the rules to get you out of some creative deal often are embedded in conventional lending, so what ever you do needs to lead toward that goal.Odd one, did a ranch refinance out of private money, 500K, took a show horse as part of the transaction for value received.

I have as much fun or more with it as I do with my 650 horse Viper Venom.

Or if your tastes run the other way, monster truck rallies.Rodeos, cuttings, horse shows, and a National Hunter Jumper show.

I have a small collection of art bars with pictures of horses, stagecoaches, and antique cars.There is a one ounce silver coin called a unicorn.

Not to beat a dead horse on the subject because I think we're all in agreement that HML have a place/time in options.