I also believe relying on either, without disclosing the matter to the insured, could be seen as a fraud on the insured, though most others in the industry disagree.In truth I have relied on some of the same methods to try identifying forged instruments, though I wouldn't bet much money on getting it right. 

You just are selling different loan instruments to potentially different clients.You might also differentiate between being a true broker and a "loan officer" for lack of better term. 

This Agreement shall be construed and enforced under the laws of the State of _________________________ and legal venue shall be in the county of_________________________. 10.07 Other Instruments.

It was instrumental in getting me started.

Watching calisthenics athletes pull off incredible bodyweight feats to some hype up music makes me visualize what is possible and what perfect form looks like.

Having worked in music, events and film, I would say I'm pretty creative and have good taste (that's the positive side of my upbringing). 

But, it shouldn't have any bearing on what your considerations will be to help someone instrumental in helping you get closer to your financial goals.

In addition, the investment instrument that crashed the economy last time, CDO's (collateralized debt obligations) are back in the form of BTO's (Bespoke Tranche Opportunities). 

I generally don't like having a banker tell me how to run my business so I try to finance new growth through equity raises and FTD private money instruments.

Down time as per what the guys set like, after 11 pm no loud TV, or music.