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	Comments on: Hybrid Reports ASB Q&#038;A	</title>
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	<description>Appraisal News and Tips for Real Estate Appraisers</description>
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		<title>
		By: Mike Ford, AGA, GAA, RAA, SCREA, Realtor®		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19237</link>

		<dc:creator><![CDATA[Mike Ford, AGA, GAA, RAA, SCREA, Realtor®]]></dc:creator>
		<pubDate>Thu, 01 Feb 2018 01:23:33 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19237</guid>

					<description><![CDATA[David, true re some appraisers but I think it goes well beyond that. The looser the ASB standards appear to be, the more leeway AMCs and lenders take. The FACT is that in the past no one had a fully USPAP compliant method for developing $10 or $25 general use appraisals. They still don&#039;t appear to have one. I keep asking for a sample of one, but so far haven&#039;t seen anything that could be argued to be even remotely USPAP compliant, and accurate.
http://appraisersblogs.com/clearval-value-hybrid-appraisal]]></description>
			<content:encoded><![CDATA[<p>David, true re some appraisers but I think it goes well beyond that. The looser the ASB standards appear to be, the more leeway AMCs and lenders take. The FACT is that in the past no one had a fully USPAP compliant method for developing $10 or $25 general use appraisals. They still don&#8217;t appear to have one. I keep asking for a sample of one, but so far haven&#8217;t seen anything that could be argued to be even remotely USPAP compliant, and accurate.<br />
<a target="_blank" href="http://appraisersblogs.com/clearval-value-hybrid-appraisal" rel="ugc">http://appraisersblogs.com/clearval-value-hybrid-appraisal</a></p>
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		By: Mike Ford, AGA, GAA, RAA, SCREA, Realtor®		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19236</link>

		<dc:creator><![CDATA[Mike Ford, AGA, GAA, RAA, SCREA, Realtor®]]></dc:creator>
		<pubDate>Thu, 01 Feb 2018 01:14:00 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19236</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19227&quot;&gt;Dennis Black on Facebook&lt;/a&gt;.

Well, I fail to see that &quot;admission&quot;, but if you are asking whether I will have a zero tolerance policy toward purported appraisal products that claim to be USPAP compliant (but aren&#039;t); performed for fees that cannot reasonably account for more than a few minutes or a professional appraisers time, by local real estate agents as CMAs converted to market value opinions or estimates and which absolutely undermine the future survival of my profession, then I guess the answer to your question is an unashamedly  &quot;Yes.&quot;

I will absolutely be biased and already AM biased against ALL bullshit dressed up and packaged or promoted to pretend it is an appraisal.

You see Dennis, there is no moral or ethical prohibition against my being biased against bad work. Hell there isn&#039;t even a SR3 requirement for a lot of it.

http://appraisersblogs.com/clearval-value-hybrid-appraisal#comment]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19227">Dennis Black on Facebook</a>.</p>
<p>Well, I fail to see that &#8220;admission&#8221;, but if you are asking whether I will have a zero tolerance policy toward purported appraisal products that claim to be USPAP compliant (but aren&#8217;t); performed for fees that cannot reasonably account for more than a few minutes or a professional appraisers time, by local real estate agents as CMAs converted to market value opinions or estimates and which absolutely undermine the future survival of my profession, then I guess the answer to your question is an unashamedly  &#8220;Yes.&#8221;</p>
<p>I will absolutely be biased and already AM biased against ALL bullshit dressed up and packaged or promoted to pretend it is an appraisal.</p>
<p>You see Dennis, there is no moral or ethical prohibition against my being biased against bad work. Hell there isn&#8217;t even a SR3 requirement for a lot of it.</p>
<p><a target="_blank" href="http://appraisersblogs.com/clearval-value-hybrid-appraisal#comment" rel="ugc">http://appraisersblogs.com/clearval-value-hybrid-appraisal#comment</a></p>
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		By: Baggins		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19229</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Wed, 31 Jan 2018 21:58:51 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19229</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19227&quot;&gt;Dennis Black on Facebook&lt;/a&gt;.

I remain mystified why the mortgage origination distributors are not routinely penalized for their obvious infractions. He did not state he would be biased, he stated he would be highly critical which is his normal approach anyways.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19227">Dennis Black on Facebook</a>.</p>
<p>I remain mystified why the mortgage origination distributors are not routinely penalized for their obvious infractions. He did not state he would be biased, he stated he would be highly critical which is his normal approach anyways.</p>
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		By: Dennis Black on Facebook		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19227</link>

		<dc:creator><![CDATA[Dennis Black on Facebook]]></dc:creator>
		<pubDate>Wed, 31 Jan 2018 21:13:43 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19227</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19199&quot;&gt;Mike Ford, AGA, GAA, RAA, SCREA, Realtor®&lt;/a&gt;.

So you just admitted that you will be biased.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19199">Mike Ford, AGA, GAA, RAA, SCREA, Realtor®</a>.</p>
<p>So you just admitted that you will be biased.</p>
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		By: David Wimpelberg on Facebook		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19200</link>

		<dc:creator><![CDATA[David Wimpelberg on Facebook]]></dc:creator>
		<pubDate>Wed, 31 Jan 2018 09:33:59 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19200</guid>

					<description><![CDATA[The Q&amp;A doesn&#039;t justify anything. This situation has ALWAYS been permitted. All development and reporting standards still apply, along with the appropriate assumptions. 

The real issue is not the ASB requirements, it&#039;s that some appraisers won&#039;t adhere to the standards (cut corners) in order to get work from certain clients.]]></description>
			<content:encoded><![CDATA[<p>The Q&#038;A doesn&#8217;t justify anything. This situation has ALWAYS been permitted. All development and reporting standards still apply, along with the appropriate assumptions. </p>
<p>The real issue is not the ASB requirements, it&#8217;s that some appraisers won&#8217;t adhere to the standards (cut corners) in order to get work from certain clients.</p>
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		By: Mike Ford, AGA, GAA, RAA, SCREA, Realtor®		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19199</link>

		<dc:creator><![CDATA[Mike Ford, AGA, GAA, RAA, SCREA, Realtor®]]></dc:creator>
		<pubDate>Wed, 31 Jan 2018 00:16:29 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19199</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19195&quot;&gt;Wayne Courtney&lt;/a&gt;.

&lt;p&gt;Try not to do it as a &#8216;review&#8217; - just &#8216;ask questions (if you can) instead of saying they did this or that wrong. - &lt;strong&gt;but definitely turn every single one in&lt;/strong&gt; for even the tiniest mistake.(the mistakes wont be tiny).&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;These are putting appraisers out of work already&lt;/strong&gt;. Even regular AMCs that dont handle these are seeing a volume drop (yeah, I know - we don&#8217;t care - except if they have no work, then &#8216;WE&#8217; have no loan work either).&lt;/p&gt;
&lt;p&gt;Tomorrows AB may have a sample of one posted in its entirety. All can see what we are talking about.&lt;/p&gt;]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19195">Wayne Courtney</a>.</p>
<p>Try not to do it as a &#8216;review&#8217; &#8211; just &#8216;ask questions (if you can) instead of saying they did this or that wrong. &#8211; <strong>but definitely turn every single one in</strong> for even the tiniest mistake.(the mistakes wont be tiny).</p>
<p><strong>These are putting appraisers out of work already</strong>. Even regular AMCs that dont handle these are seeing a volume drop (yeah, I know &#8211; we don&#8217;t care &#8211; except if they have no work, then &#8216;WE&#8217; have no loan work either).</p>
<p>Tomorrows AB may have a sample of one posted in its entirety. All can see what we are talking about.</p>
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		By: Baggins		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19198</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Tue, 30 Jan 2018 23:28:52 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19198</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19193&quot;&gt;realrose&lt;/a&gt;.

Seriously, hyperbole with no point in sight.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19193">realrose</a>.</p>
<p>Seriously, hyperbole with no point in sight.</p>
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		By: Baggins		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19197</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Tue, 30 Jan 2018 23:27:47 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19197</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19196&quot;&gt;realrose&lt;/a&gt;.

&lt;p&gt;Oh god, save your political judgements.  Weaponized media is real. Please site your informational source regarding the political leanings of the union members for the union you have not yet joined. Fail. Spin much?&lt;/p&gt;]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19196">realrose</a>.</p>
<p>Oh god, save your political judgements.  Weaponized media is real. Please site your informational source regarding the political leanings of the union members for the union you have not yet joined. Fail. Spin much?</p>
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		By: realrose		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19196</link>

		<dc:creator><![CDATA[realrose]]></dc:creator>
		<pubDate>Tue, 30 Jan 2018 22:54:42 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19196</guid>

					<description><![CDATA[&lt;p&gt;Wayne, Good post! I don&#8217;t know any other profession where one can&#8217;t choose their own clients. What happened to appraisers is just like the &#8220;little extra&#8221; movie you posted! It is theft that we have to work for a pimp (amc) and then they don&#8217;t tell us what they make off our license, experience, time, data costs, license costs, continuing education and errors and omissions insurance, forms, etc. We are a profit center for these non-appraisers who are just practicing highway robbery. Yet we still haven&#8217;t gotten together with a strong union; I haven&#8217;t joined this one because there are too many libertarians, and that is who the Koch brothers are who paid Paul Ryan $500 million just after the passage of the so-called tax reform act. Corrupt politicians have taken over our profession; you don&#8217;t see this happening to CPAs, and insurance companies got to stay in the &#8220;game&#8221; for health care because they were entrenched with donations to career politicians. Those are the people who don&#8217;t respect what we do, so I am glad I am able to still work, but pick who and when I want to work for. I haven&#8217;t ever turned anyone into the state, even though as a review appraiser I read a description of LA County that was word for word from one of my reports&#8230;. but if I ever see any licensed appraiser doing this hybrid stuff, I&#8217;ll be the first one to turn them in. You can bet they won&#8217;t be reviewed by licensed appraisers, just their non-appraiser clerks who get $10/hour to put them thru a machine&#8230;. AI doesn&#8217;t mean the Appraisal Institute any more, it means Artificial Intelligence, so let them go to zillow if they want a value not worth the paper (or pdf) is was produced on!&lt;/p&gt;]]></description>
			<content:encoded><![CDATA[<p>Wayne, Good post! I don&#8217;t know any other profession where one can&#8217;t choose their own clients. What happened to appraisers is just like the &#8220;little extra&#8221; movie you posted! It is theft that we have to work for a pimp (amc) and then they don&#8217;t tell us what they make off our license, experience, time, data costs, license costs, continuing education and errors and omissions insurance, forms, etc. We are a profit center for these non-appraisers who are just practicing highway robbery. Yet we still haven&#8217;t gotten together with a strong union; I haven&#8217;t joined this one because there are too many libertarians, and that is who the Koch brothers are who paid Paul Ryan $500 million just after the passage of the so-called tax reform act. Corrupt politicians have taken over our profession; you don&#8217;t see this happening to CPAs, and insurance companies got to stay in the &#8220;game&#8221; for health care because they were entrenched with donations to career politicians. Those are the people who don&#8217;t respect what we do, so I am glad I am able to still work, but pick who and when I want to work for. I haven&#8217;t ever turned anyone into the state, even though as a review appraiser I read a description of LA County that was word for word from one of my reports&#8230;. but if I ever see any licensed appraiser doing this hybrid stuff, I&#8217;ll be the first one to turn them in. You can bet they won&#8217;t be reviewed by licensed appraisers, just their non-appraiser clerks who get $10/hour to put them thru a machine&#8230;. AI doesn&#8217;t mean the Appraisal Institute any more, it means Artificial Intelligence, so let them go to zillow if they want a value not worth the paper (or pdf) is was produced on!</p>
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		By: Wayne Courtney		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19195</link>

		<dc:creator><![CDATA[Wayne Courtney]]></dc:creator>
		<pubDate>Tue, 30 Jan 2018 21:18:05 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19195</guid>

					<description><![CDATA[I have never filed a complaint with the state appraisal board on a fellow appraiser. Times are changing and I feel that anytime any of us get our hands on one of these &quot;Hybrid Reports&quot; we should prepare a little review and file a complaint with our state appraisal board. Maybe if some appraisers begin to lose their license/certifications they will stop taking this type of crap. Along with their $50.00 that complaint will provide them with a little something extra!

https://www.youtube.com/watch?v=e4VvENcrq2Q]]></description>
			<content:encoded><![CDATA[<p>I have never filed a complaint with the state appraisal board on a fellow appraiser. Times are changing and I feel that anytime any of us get our hands on one of these &#8220;Hybrid Reports&#8221; we should prepare a little review and file a complaint with our state appraisal board. Maybe if some appraisers begin to lose their license/certifications they will stop taking this type of crap. Along with their $50.00 that complaint will provide them with a little something extra!</p>
<div class="video-container"><iframe class="youtube-player" width="640" height="360" src="https://www.youtube.com/embed/e4VvENcrq2Q?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=en-US&#038;autohide=2&#038;wmode=transparent" allowfullscreen="true" style="border:0;" sandbox="allow-scripts allow-same-origin allow-popups allow-presentation allow-popups-to-escape-sandbox"></iframe></div>
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		<title>
		By: Gregory Beck on Facebook		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19194</link>

		<dc:creator><![CDATA[Gregory Beck on Facebook]]></dc:creator>
		<pubDate>Tue, 30 Jan 2018 20:29:03 +0000</pubDate>
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					<description><![CDATA[I won’t do them they can kiss ? my ass]]></description>
			<content:encoded><![CDATA[<p>I won’t do them they can kiss ? my ass</p>
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		<title>
		By: realrose		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19193</link>

		<dc:creator><![CDATA[realrose]]></dc:creator>
		<pubDate>Tue, 30 Jan 2018 19:52:59 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19193</guid>

					<description><![CDATA[&lt;p&gt;Appraisers: You need to decide if you are going to be an appraiser or part of an assembly line. Back in the 1980s a firm named Arthur Anderson (accountants) did appraisals by committee; they got around a conference table with some senior appraisers (designated) and some junior trainees and split the work up. This did not turn out well for them; their reputation was trash and even those who were designated were shunned by their peers. We need to decide if you want to be a whore for the banks and amcs or you want to uphold the standards and ethics we must adhere to when we are licensed. I will never get so hungry for work that I will do any hybrid work because it is my opinion which depends on me following the standards and ethics set forth in USPAP. If I  were to see a hybrid appraisal performed by an appraiser who used an unknown inspector to do their work I would turn it into the state. I expect there will be a feeding frenzy by lawyers on work licensed appraisers do and finally, maybe some licenses will be lost due to lack of standards and ethics. Seriously, if someone told you to jump off a cliff for a fee, you&#8217;d deserve to be out of the gene pool, so go right ahead and listen to those politicians who think they are the experts on degrading the appraisal process all in the name of the banks being able to control the appraisal results, then ask for a bailout, because this is all being done to get us desperate because we need money. You won&#8217;t get one dime after you have lost your license, so get ready to greet people at Walmart, or compete with high school kids making burgers. If you think your peers won&#8217;t turn you in, check again.&lt;/p&gt;]]></description>
			<content:encoded><![CDATA[<p>Appraisers: You need to decide if you are going to be an appraiser or part of an assembly line. Back in the 1980s a firm named Arthur Anderson (accountants) did appraisals by committee; they got around a conference table with some senior appraisers (designated) and some junior trainees and split the work up. This did not turn out well for them; their reputation was trash and even those who were designated were shunned by their peers. We need to decide if you want to be a whore for the banks and amcs or you want to uphold the standards and ethics we must adhere to when we are licensed. I will never get so hungry for work that I will do any hybrid work because it is my opinion which depends on me following the standards and ethics set forth in USPAP. If I  were to see a hybrid appraisal performed by an appraiser who used an unknown inspector to do their work I would turn it into the state. I expect there will be a feeding frenzy by lawyers on work licensed appraisers do and finally, maybe some licenses will be lost due to lack of standards and ethics. Seriously, if someone told you to jump off a cliff for a fee, you&#8217;d deserve to be out of the gene pool, so go right ahead and listen to those politicians who think they are the experts on degrading the appraisal process all in the name of the banks being able to control the appraisal results, then ask for a bailout, because this is all being done to get us desperate because we need money. You won&#8217;t get one dime after you have lost your license, so get ready to greet people at Walmart, or compete with high school kids making burgers. If you think your peers won&#8217;t turn you in, check again.</p>
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		<title>
		By: Dave Towne		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19192</link>

		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Tue, 30 Jan 2018 19:32:51 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19192</guid>

					<description><![CDATA[I have been told by a couple of reputable people in our appraisal world that the ASB has &#039;pulled&#039; this latest Q&#038;A off their web site.  From what I&#039;ve been told, the ASB has received a high amount of &quot;blow back&quot; messages about this topic.  The question now becomes whether or not the originally issued responses to the Q&#038;A would still be considered valid?  Or since it was &#039;pulled&#039;, is it like it never existed in the first place?]]></description>
			<content:encoded><![CDATA[<p>I have been told by a couple of reputable people in our appraisal world that the ASB has &#8216;pulled&#8217; this latest Q&amp;A off their web site.  From what I&#8217;ve been told, the ASB has received a high amount of &#8220;blow back&#8221; messages about this topic.  The question now becomes whether or not the originally issued responses to the Q&amp;A would still be considered valid?  Or since it was &#8216;pulled&#8217;, is it like it never existed in the first place?</p>
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		<title>
		By: Xpert		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19191</link>

		<dc:creator><![CDATA[Xpert]]></dc:creator>
		<pubDate>Tue, 30 Jan 2018 18:30:08 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19191</guid>

					<description><![CDATA[Thanks Dave.

I would also add that per USPAP:
“When a signing appraiser(s) has relied on work done by appraisers and others who do not sign the certification, the signing appraiser is responsible for the decision to rely on their work. The signing appraiser(s) is required  to  have a reasonable basis for believing that those individuals performing the work are competent. The signing appraiser(s) also must have no reason to doubt that the work of those individuals is credible.”

“have a &lt;strong&gt;reasonable basis&lt;/strong&gt; for believing that those individuals performing the work are competent”

I&#039;m pretty sure appraisers are not vetting these 3rd party inspectors and just relying on amcs for selecting the fastest and cheapest so-called &quot;inspectors&quot;. I can&#039;t wait to see these appraisers hang out to dry by their boards &#038; E&#038;O, and drowning in lawsuits!]]></description>
			<content:encoded><![CDATA[<p>Thanks Dave.</p>
<p>I would also add that per USPAP:<br />
“When a signing appraiser(s) has relied on work done by appraisers and others who do not sign the certification, the signing appraiser is responsible for the decision to rely on their work. The signing appraiser(s) is required  to  have a reasonable basis for believing that those individuals performing the work are competent. The signing appraiser(s) also must have no reason to doubt that the work of those individuals is credible.”</p>
<p>“have a <strong>reasonable basis</strong> for believing that those individuals performing the work are competent”</p>
<p>I&#8217;m pretty sure appraisers are not vetting these 3rd party inspectors and just relying on amcs for selecting the fastest and cheapest so-called &#8220;inspectors&#8221;. I can&#8217;t wait to see these appraisers hang out to dry by their boards &amp; E&amp;O, and drowning in lawsuits!</p>
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		<title>
		By: Mike Ford, AGA, GAA, RAA, SCREA, Realtor®		</title>
		<link>https://appraisersblogs.com/hybrid-reports-ASB-USPAP-QA/#comment-19190</link>

		<dc:creator><![CDATA[Mike Ford, AGA, GAA, RAA, SCREA, Realtor®]]></dc:creator>
		<pubDate>Tue, 30 Jan 2018 17:06:41 +0000</pubDate>
		<guid isPermaLink="false">http://appraisersblogs.com/?p=16327#comment-19190</guid>

					<description><![CDATA[Great article Dave!

I&#039;m reminded of the proverbial three monkeys; Hear no evil, see no evil and speak no evil.

They have finally crossed over the line and essentially neutered all of USPAP. From now on compliance is not measured by what the actions of ones peers would be, but rather on how well someone can boilerplate and argument asking what the meaning of &#039;is&#039; is.

Sophistry over substance. Well done TAF!]]></description>
			<content:encoded><![CDATA[<p>Great article Dave!</p>
<p>I&#8217;m reminded of the proverbial three monkeys; Hear no evil, see no evil and speak no evil.</p>
<p>They have finally crossed over the line and essentially neutered all of USPAP. From now on compliance is not measured by what the actions of ones peers would be, but rather on how well someone can boilerplate and argument asking what the meaning of &#8216;is&#8217; is.</p>
<p>Sophistry over substance. Well done TAF!</p>
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