The Three Legs

The Three Legs...

...of underwriting
1)Credit
2)Character
3)Collateral

...of fraud
1)Incentive or pressure
2)Rationalization or attitude
3)Opportunity

...financial oversight
1)Audit Committee
2)Management
3)External audit firm

...retirement income
1)Savings
2)Pensions
3)Social Security

...of my daily commute to Simi Valley
1)Traveling north on the 5, my home to the 605
2)605 to 134
3)134 onto the 118 to Simi Valley