@Raul Nico Ruiz   I used Shawn Huss at Chemical Bank.

My daughter, that just graduated from the University of Arkansas as a chemical engineer but that school charged us $6,000 a semester but we did not take on any long term debt. 

So let me express mine: You are one of the biggest "Persons Of Substance" on BP.

Brick isn’t meant to be painted, and painting it is difficult (lots of prep, lots of coats, has a chemical compound that rejects paint).

And these are people without obvious substance abuse or mental health issues.As for those with substance abuse and mental health issues, as a society we should offer them help. 

"Drug-related criminal activity" means the illegal manufacture, sale, distribution, use, or possession with intent to manufacture, sell, distribute, or use of a controlled Substance (as defined in Sections 1 through 42 of the Controlled Substance Act [30-3 1 -1 NMSA]). 2.

Land is not an "AS IS" purchase when hazardous waste or a deadly substance or land fill was created.

These types of comments shows in clearity that those types of people see advice as a binary substance.

It's the substance of the transaction, not the structure.So, the inquiry becomes not whether you are representing others and engaging in 6 defined activities but simply whether you do 2 or more deals involving real estate in 12 months. 

Yes, 1,000%, this is the 1 issue of substance this change raises but I am avoiding discussing it on BP forums as it's about 2/3 levels beyond comprehension of most on BP.