I would think most Americans would find this offensive on its face (maybe I am wrong about that). 

How can you make peace with people that are Faking offense?

No personal offense intended, Matt!

Many investors have refi'd and not been caught, but it is a federal offense.

In other words, firms get experience because all the do are oddball cases or they do enough vanilla cases that, statistically, the oddball cases come up.And, no offense, but the kid of a lawyer doesn't have the working knowledge of a law firm's business practices. 

If they turn 18 while in your unit it won't matter because you will only access offenses listed/charged as an adult, which would be none unless they're committing crimes as they live in your unit and turn 18. 

I didn't know if these were more for beginners or not (please take no offense Brandon - I think you, and your beard are great!)

I would bet most people feel like I do who are reading this thread, even if they don’t completely agree with you would hope you that you accept an apology for any offense.  

Removing their personalization may weaken their roots, but may be appropriate if what they are doing is offensive versus just different taste.

So we found the accusations very offensive.