Best of luck and feel free to send me a massage if there's anyway I can help.

My undergraduate degree is a BS in health science with pre-physical therapy emphasis.  

In general, yes the 70% rule can be massaged within reason especially in the Bay Area.  

The loudest and most obnoxious preachers are always the ones caught slicking up the rent boys with massage oil.

It just shows that you can massage data to give you the number you want.

I run an equine assisted therapy facility and it takes money to keep it going.

Use the calculators, but massage them a bit so that your MAO hits your sweet spot.... then take that figure and compare it to the ARV and you'll have your new MAO %.

There are legal differences between Service, Support and Therapy animals.

It's easy to "massage" the NOI if you choose to replace an appliance instead of repair it, etc. 

Numerous people walking about, talking, some with drinks in their hands, noisy laughter from the living room and kitchen, and then 4 large women dressed in black came and sat at the side of my bed, 3 on the left side, massaging my left leg, hip to toes, and one on the right leg, massaging thigh to just above ankle.