Jonny was here http://ft.unnes.ac.id/p2m/index.php/stmap_434b8mq7.html?anytimeloan.in.mortgage tila/respa consolidated mortgage disclosures  @218 ... you do realise that the only way we'll know whether anyone is getting away with it now, is if they get caught out years in the future just like Armstrong did? It simply isn't possible to judge the efficacy of a testing regime except in hindsight. And even if it were, the cynics wouldn't be impressed.