Bill Clinton & Non-Disclosure

It occurs to me that the very word “non-disclosure” is part of the problem. The word “Non-disclosure” implies the blame for not collecting the appropriate information is due to the applicant – they are not disclosing what they should be disclosing. Quite frankly, this is pointing the finger at the wrong person. The main problem lies in us as an industry not being diligent and thorough in collecting the information in the first place. There is a fundamental misconception in the industry that, if a straight forward question is asked, then a straight forward answer will be given. This is pur...