Update 1/8/2025 Who writes these tech manual instructions?? Update 1/7/2025 Branding influence…and see the important note added above The Law 11/17/2024. Updated 12/18/2024 Editor’s note about record keeping added at the end of subheading Lower-level escalation. After questioning more than four librarians, a banker, and a consumer lawyer I discovered they, too, were surprised and […]