And that you don't even know how banks function.And in terms of the Fed having existed prior to its current iteration, no. 

I typically see attorneys billing at $250-$600/hr in our market and think the average PA for an easy deal of that size would be around 4 billable hours for the drafting plus whatever consultation was required and how many iterations of the PA there have been (redlines etc). 

Honestly, all of the big ones behave in pretty much the same way, since they all embraced some iteration of the "deny, defend, delay" tactic.

Small enough to be agile and react quickly with good customer service and low overhead, large enough to have established business processes and experience handling a wide variety of situations.

It sounds like you have your macro written to iterate 4 times (discrete) instead of for all cases where a condition is true.

It's basic and I'll iterate on it, I'm sure someone can take it to the next level, but it gives a framework to build from.https://docs.google.com/spreadsheets/d/1YBQWE8Xcn6IscyeymvxISudFrvegywKBJxjpVF4isZk/edit?

Asked about it a few years later, family member re-iterated everything was all good and since they make payments on time every month, it actually helps them, not hurts them. * Fast forward to today, there is $500K equity in the house (Bay Area) and the family member has gone Tony Montana on my friend.

I can be agile, no commitment except the lease.7.

I messed with the numbers a lot on this one (changing purchases price, percent down, rent amounts) so I must've forgotten to add it back in on this particular iteration.

My minimum for postcards used to be 2500 per week.You are FAR better off sending a yellow letter or some other iteration of a letter if your list is 500 or less.