The idea was that employees with the initiative to change their default browser also applied that initiative to their jobs.

You often hear this as an option to get tenants out faster in an eviction situation, but it really could apply other times.

I am about to apply to multiple credit cards.

@Theresa Harris thanks, yes the issue is that the new places they are applying to see their track record and don’t want to rent from them.

the hedges would accidentally rip out the whole hedge or even if they could do only "half" a hedge, the hedge might die due to the sudden loss of 50% of itself.Other than to manually trim 50% of the hedge without touching the roots (sounds expensive), is there a near maintenance-free way to approach this?

The moratorium on evictions in most areas will be lifted and I don't think it applies to them anyway which they may not understand.   

If the deal goes through, the money is applied to to closing cost or or down payment.

Talking w/your CPA & applying to your taxes for next year.

If you go ahead with the offer, the fee is applied as credit towards purchase of the home.  

When you first apply you'll estimate what you think your home is worth and that will be your initial estimated LTV but once your appraisal is completed the true LTV will be calculated.