Despite the PITA inherent in those checklists, they aren't "mindless." There's a reason behind every one of them: fraud.And just how much fraud do you think they prevent? I agree the crooks are smart and I have no doubt they have figured their way around generic check lists. Perhaps given our experience it would have been more appropriate to state mindless application of generic check lists, and suspect the industry would be more protected by encouraging thought rather than eliminating the need for it. These lists are being used to replace thinking.IP
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