Something will stop working and having systems that you can go down to the parts store and pick up a replacement part is absolutely critical.  

If you're a single mom with student loans, a car payment, and living paycheck-to-paycheck, then $20,000 would be devastating and a reserve is critical.

But, I also believe that the theory component creates critical thinking patterns that make students better in the real world. 

Finding a niche to focus on is critical.

The single military member was deployed OCONUS and departed a couple weeks ago, but stated his intention in writing to remain a part of the lease until it expired, at which time he will withdraw from the lease.My take is that the lease was made with all four co-tenants, and that if one of the financially-critical co-tenants withdraws at its normal expiration, the lease is then invalid, as the tenants have significantly changed the terms under which it was made.

With lawyers it’s critical you get the guy that specifically knows the town your working in.Message me if you want to chat more about this.

I wasn't being critical my friend.

I was bad cop, with my clipboard, almost ignoring them and working down a checklist to make sure I looked at all the critical things. 

In my mind, I erroneously failed to make the critical distinction you raise.  

I want to make it worth their while to invest time in me.Appreciate all feedback even constructive criticism!