Haha, exactly—it's like lenders have a secret bingo card of random reserves they pull out when you're least expecting it. Ever had one ask about "roof...

Good points here, especially about consistency. But I'm curious—have you noticed lenders being more cautious with certain types of bankruptcies? In my...

Totally agree about the psychology part—it's amazing how much calmer clients feel once they've set that boundary. But do you ever find people second-g...