The scope of work is determined by the appraiser. Appraisers have no agenda but market value. Filling out the form properly and completely does not always mean your report will be compliant with USPAP. Above-ground pools are considered to be personal property because they can be moved from the property, therefore they cannot be included in an appraisal. For instance, if you were to appraise a home with a small crack in the foundation, you may implement an extraordinary assumption that the home is structurally sound. Not only that, but those appraisers will be utilized for that client's assignment rotation so the "feet on the ground" in your CRA assessment area do not change. A simple phone call to me would have prevented them from losing their credibility. The material was insightful and the format was very convenient. The appraiser must comply with the current edition of the Uniform Standards of Professional Appraisal Practice (USPAP). SR 2-1(c) requires that all extraordinary assumptions be disclosed clearly and accurately. I’d rather respond directly to the client and help educate them and better handle borrowers’ issues, when necessary. Dear AMC employee, how do you “Try coming up the present” with that persistent legacy? I assume property’s title is good and marketable, and will render no opinions about the quality of the title. Give the OA the benefit of the doubt when you can (remember, they walked through the property and drove the comps on the effective date of the appraisal, and… well, you didn’t). After nearly 20 years in this industry, I have yet to turn in a perfect appraisal report. Let me give you a perfect example of what I mean from my own files. In addition to being a full time appraiser, I have worked part time as a Deputy Sheriff for over 20 years. The content of the appraisal report—not its form or format—determines its compliance. An in-ground pool is considered part of the real estate and is given consideration in the appraisers final opinion of value. I was given the chance to respond to the failing grade he gave my report, so I had the chance to review his review. Perfect, either.”  He continued, “If you don’t understand why an appraiser did something, don’t just assume it is wrong. In addition to slamming every aspect of my report (especially my choice of comps), the reviewer admitted that she did not know the area from which the appraisal was geographically based (70 miles north and in a major lake resort area) and did not have access to MLS data from that area. When doing a review I acknowledge I did not do the actual field work and because I do reviews across the nation I do not know the market. So why should the fee for a review be less than a fee for an appraisal? I don’t do a lot of review work mainly because I feel everybody has their own opinion and most of the time it’s not looked upon objectively by our peers as well as others in our industry (ie clients, AMC reviewers, homeowners ect). Be careful what you criticize. You would be required to disclose the use of the extraordinary assumption and also state that its use might have affected the assignment results. Garages and basements, including those that are partially above-grade, must not … Appraisers are required to take the USPAP course every two years to remain current on the changes. Emails full of tips, news, resources and advice will be sent your way soon. Learn how your comment data is processed. That’s been going on for over 30 years. In my opinion, the AMC advocates for the client whereas the appraiser is not an advocate for anyone. The age old problem is when the value does not come in. As such, you have formed an independent, impartial, objective, and credible opinion of the contributory value of that particular amenity. 2. Live the Golden Rule (do unto others as you would have them do unto you). You took my opening line in calls with my peers I’ve reviewed..”the next perfect report I write will be my first”. Using the comps I chose which had no basement (like the subject) but were slightly older than 6 months (in a proven stable market) was UNACCEPTABLE as compared with using his comps which were within 3 months, but had basements? The “comps” she cited on the builder’s website were 6-9 years old, which she could have verified by checking the County’s website for sales information – free to the general public. It also establishes requirements for performing appraisal assignments and reporting results. He is the owner and President of Appraisal Precision and Consulting Group, Inc., and is a popular author, speaker and consultant. If you were to later discover that the extraordinary assumption is actually not true, then your value opinion could be impacted or changed as a result. I doubt there exists a buyer in the entire world of real estate who hasn’t asked, at one time or another, what is the square footage of a particular property. Let’s look at Fannie Mae’s definition for GLA. Apply here to reach thousands of readers on a weekly basis and establish yourself as thought leader in appraisal. A difference of comp choice is not always a sign of incompetency. Strive for excellence because perfection will not be achieved. The new rule, which took effect May 1, forbids brokers from hiring their own appraisers and requires intermediaries — called appraisal management companies — to choose them instead. It means less money for us, but more peace of mind. One example is that basement finish may not command as high of a price per square foot as above ground finish in the local market. determining the appropriate scope of work for an appraisal or appraisal review assignment. I’m not solvent enough either but yet the “Deal” can not be a factor for appraisers. Is the Luxury Real Estate Market Slowing? If others in and out of the industry would realize there is an art to appraising that it’s not always an exact science like some would want it to be, we would would all be better off. He has been appraising for nearly two decades. Sorry if you are taking heat from your AMC peer reviewers. SR 2-1 (c) states that you must “clearly and accurately disclose all assumptions, extraordinary assumptions, hypothetical conditions, and limiting conditions used in the assignment.” While you are probably very familiar with limiting conditions, such as those standard limiting conditions found in the various Fannie Mae forms, you may benefit from a brief review of assumptions, extraordinary assumptions, and hypothetical conditions. I had appraised every home built in that subdivision from the day they broke ground up to that point 10 years later. Do not make accusations if you cannot back them up yourself. What we do is no easy task most times, especially in this economy with the lack of similar comps in most places around the country. “Gene” wrote: Appraisers must demonstrate competency in properly calculating GLA by knowing when to separate above and below grade finish. Here are some rules to live by if you are going to accept assignments to review your peers: If something is amiss, make a comment. Well written and you would hope that most appraisers would look at it this way. What’s more, rather than state this, his modus-operandi was to point out the difference and then in capital and bold letters exclaim, “THIS IS AN UNACCEPTABLE APPRAISAL PRACTICE!”  Really? Fortunately, I was able to find a local—and seasoned—appraiser who lived 20 minutes from my office. ), Get fresh tips and insights emailed to you, The 3 Basic Reporting Requirements for Real Property Appraisal, American Society of Home Inspectors (ASHI), International Association of Certified Home Inspectors (InterNACHI), California Real Estate Inspection Association (CREIA). I recently had one of my appraisals reviewed by a local peer. As a result, we rarely get the “opportunity” to do a review….which we consider a good thing. Additional language is required to clearly disclose the hypothetical condition. A good example of utilizing a hypothetical condition in the appraisal process is the appraisal of a property with proposed improvements as of a current effective date. No report is perfect and I agree that we should always review with the golden rule in mind. Also, when I started doing reviews many years ago, I charged about the same fee that other appraisers in this area charge. I had even appraised that particular home from interim up to closing for completion and now it was a resale, so I knew the Subject inside and out. “As you become more seasoned,” he began in his baritone drawl, “you will be called upon to perform reviews of your colleague’s work. In my opinion, most AMCs are not solvent enough to “Kill” the deal(s) in some cases. As I have mentioned before, when I was going through my Trainee years, my Supervisor was actually located in another state. However, when I receive a notice of an omission and I point out what page of the appraisal the information is on, and receive instructions to repeat it again in an email anyway- something is amiss? I’ve made life long friends with some of the best appraisers in the country by helping them from a position of humility and a quest for the common goal of a professional; reliable opinion of value that is defendable no matter where, or who, ends up with a copy of that document. As a side-note, he agreed with my value, just not the methodology of deriving it. Approved lenders must select qualified and competent appraisers that are properly licensed or certified, as appropriate, in the State in which the property is located. Just a reviewer with a proverbial gun, badge, and a big head. As a real property appraiser, you rely on appraisal reports to communicate your opinion of value. It is not necessary for the appraisal report to contain sufficient information so that anyone can understand it. Ground Leases – Rent Review Arbitrations • Courts in New York and California have adopted two very different approaches establishing the intention of parties where one is difficult to find • “California Rule”: “value” means fair market value in a standard appraisal at its highest and best use, not limited On one such visit, he taught me a great lesson about peer reviews. Appraisal Objective. Included in the calculation would be only that floor area for which there is a vertical distance of 5 or more feet between floor and ceiling. McKissock offers the best courses I've taken. In this post, we break down the basic reporting requirements set forth in USPAP Standards Rule 2-1. ... RVO Estate Managers & Appraisers Foundation. This value is the price that an informed buyer should be willing to pay for the property. That requires you to communicate with clients “on their level,” and with consideration of the specific issues involved in the appraisal. His help in finding comparables and navigating the treacherous waters of appraisal was invaluable. The goal of all home appraisals is to establish and justify a fair market value, or FMV. It was a different world back then. The one rule to keep in mind is that agents can't offer this information in a way that attempts to influence the valuation professional's opinion of value, but as factual insights. Our staff consists of licensed appraisers who found it better on the inside than out. On the other hand, he is quite correct with is advise on reviewing a peers work. Required fields are marked *. The appraiser must provide a factual, objective and unbiased opinion of the home's favorable and unfavorable characteristics and provide specific data, photos and commentary to back his opinions. Individual store contacts (to schedule inspections) 3. It’s important to realize that forms are not reports. Yes Charles Cross- Coach used a poor example. I have actually learned a ton from reviews. I feel like I'm leaving the course moving forward in my career. CAARR. You are not Mr. I assume there are no hidden or unapparent conditions of the soil or subsoil that would render it more or less valuable. American Society of Appraisers 11107 Sunset Hills Rd Ste 310 Reston, VA 20190 (800) ASA-VALU 800-272-8258 Remember, you did not inspect the property and you did not sit in that appraiser’s shoes. FEMA Valuations The 50% FEMA Rule appraisal is a tool that is frequently used in coastal areas, but theses valua-tions also may be needed for properties located in flood zones and subject to floodplain manage-ment. This site uses Akismet to reduce spam. Future sales projections and/or budget 5. [Lovetta] Reviews are an important part of the lending process, and you may be an exception to the rule. Your email address will not be published. Residential Report Writing: More than Forms, 7 Ways for Appraisers to Spend Less Time on Email, 2020 Housing Market Recap, 2021 Housing Predictions, and More Appraisal News. My Aunt was a deputy who was killed in the line of Duty. I will not bore you with the details, but the majority of his findings were unfounded at worse and a simple difference of opinion at best. I think the lesson was simply to avoid pride when it comes to the role of a review appraiser. As a consequence, we don’t offer a bid to do a review until business is REALLY slow. (Click here for link) It states the following: “The appraiser should use the exterior building dimensions per floorto calculate the above-grade gross living area of a property. Appraisers can use the guidance of classic rhetoric, in conjunction with modern research on ... Rule, Application, and Conclusion, which is a fundamental tool of analysis. I wrote a 4 page rebuttal to the Lender with a suggestion they get their money back from that reviewer and never use them again for as they obviously had a lack of quality assurance. Tags:Appraisal peer reviews, Appraisal Reviews, review appraisers, reviewing appraisals, reviews of appraisals, reviews of appraisers. It is absolutely possible for an appraiser to support and justify a “point value” within the range of the adjusted comparables. Or, so you’d think. Well stated Dustin. I have had both the opportunity to learn and teach with the reviews I have done over the years. Standards Rule 2-1 (b) SR 2-1 (b) states that you must provide your client and other intended users with enough information to understand the report. Simplify the appraisal process. Unfortunately there exist a high turn-over of lenders, agents and now AMCs. The ethics rule addresses conduct and prohibits specific activities including certain undertakings to procure assignments. In the end, there was no fraud committed, no incompetency displayed, no blatant mistakes. The better your understanding of these reporting requirements, the better your ability to comply with USPAP. Do not resort to judgments or name-calling (yes, it does happen). SR 2-1 (b) states that you must provide your client and other intended users with enough information to understand the report. Your email address will not be published. As the middle person we get the negative feedback. It’s your opinion that the swimming pool at the subject contributed $10,000 to overall value. Jason Vargo, Appraiser Trainee at Appraisal Camp-Sedona. I believe in the Golden Rule when it comes to field and desk reviews. Basically we look for whatever is in the Intended User’s scope and we follow Fannie Mae and USPAP guidelines. Remember; the rule that we measure others by is the same rule that will be used with us. Rural areas where there are minimal settled sales area available there is no distance rule. There used to be a USPAP definition for assumption, but it was deleted in 2018, as the Appraisal Standards Board decided its use is not intended to differ from the general English meaning of the word. The role of real estate appraisers even in the best of times can be a thankless one. I was taught as a young boy that whenever a person is given a little bit of authority, it is usually in their nature to take that authority to the extreme. Download your free copy of The Valuation Process Road Map. Things are pretty wild here at Appraisal Camp-Sedona. Though he was technically my ‘competition,’ this grandfatherly man was always happy to sit down for a soda and a visit whenever I stopped in. Come join us! Most lenders have guidelines wanting appraisers to stay within a one-mile radius, but there is actually no official “one-mile rule” from Fannie Mae. Appraisers who perform appraisals for VA near the Atlantic Ocean, the Great Lakes, the Gulf of Mexico, or the Caribbean Sea must be familiar with any CBRS areas. It was a good thing I was in a light mood that day because what I read might have made a lesser man a bit angry. Under Rule 5 (1) read with Rule 12 (2) (a), for Registration as Valuers Link for Eligibility Criteria. Don’t do what so many appraisers do in those situations and get a big head. Above all, quit stabbing your peers in the back just because you have been given a little authority to review their work. I agree with you that appraisers should “Try coming up to the present”. All appraisals are really worthless if the lender refuses to accept a “Range of Values” because no appraiser can appraise to a specific penny using MLS data that is labeled as follows: Properties reported may be listed or sold by various participants in the MLS. An appraiser (from Latin appretiare, "to value"), is a person that develops an opinion of the market value or other value of a product, most notably real estate.. Within a short period of time it became apparent that doing a review involves more work than doing an appraisal. You base your opinion on market data, therefore your opinion is well-formed. SR 2-1 (a) builds on the ETHICS RULE requirement that your reports must not be misleading. I certainly don’t consider myself Mao and resent the implication! So, tread lightly.”. Sometimes at the cost of losing clients and AMCs. Download your free copy of The Valuation Process Road Map. Appraising is not an exact science, however, a good appraiser can give the client a supported value and comfort level in the scope of work utilized etc. Detailed Profit and Loss statements for the past three years plus current year-to-date 4. If you are reviewing and mark anything as unacceptable you should give the exact USPAP or lending regulation that was violated. The burden is on the appraiser to determine which of the two rules apply. I find myself more than ever spending hours researching and writing the report, supporting the value and methodology in part because of the high turn-over in Intended User(s) the other due to new patterns in the national and regional marketplace that never existed 30 years ago. Arkansas Code § 17-14-308, as amended by Act 413 (2009 - HB 1500) CALIFORNIA 1090.5. No offense, but that statement is ridiculous and laughable because in 30 years I have heard of EXACTLY zero lenders accepting a “range of values” for any residential property. Typically (and correctly) the appraiser will disclose that the appraised value is “subject to completion per plans and specifications.” This is good, but not good enough. Want to contribute to our blog? It is not your job to criticize every aspect of the report. But when it comes to measuring the square footage of a property, it’s not quite that simple.. Most homeowners that buy land do not understand their real property value, or how an appraiser actually determined the value of the land. USPAP defines hypothetical condition as: “a condition, directly related to a specific assignment, which is contrary to what is known by the appraiser to exist on the effective date of the assignment results, but is used for the purpose of analysis.”. Appraisers will employ independent and objective judgment in reaching conclusions and will decide all matters on their merits, free from bias, advocacy and conflicts of interest. Some of it is nit picking but it is what the intended user wants. 3 of 10 ... explain that narrative presentations are the middle ground between these two, containing both When I was new, I would review other appraisals so that I could become more competant and be a better appraiser myself. We offer the latest technology options and solutions for today’s Appraisal Professional. If the appraiser finds that a property on which an appraisal has been ordered is located in a CBRS area, the appraiser must stop work and promptly notify the lender. Give a man a badge and a gun, and suddenly he is Mao Tse-tung. include ground leases, QSR leases, service bay leases, etc. I believe his methodology of review was to put an “X” in the “NO” box and then to think up a reason to justify the mark. Many appraisers think we make up reasons to fail a report but we are bound by guidelines the Lenders set up for us. That’s what appraisers do. I do Appraisal Reviews for an AMC. There are numerous associations that real estate appraisal professionals belong to that have strict guidelines when appraising land. I love McKissock courses because I can learn at my own pace. That requires you to communicate with clients “on their level,” and with consideration of the specific issues involved in the appraisal. Lenders may verify that an appraiser is licensed or certified I have been doing reviews for a significant portion of my life. Appraisers make adjustments for line items in their reports based on market reaction to specific amenities. This is the first article I have found if this type and is very appropriate. Clients and intended users will require more or less information depending on many factors, including but not limited to: Just as the scope of work varies from assignment to assignment, the level of report detail also varies for different assignments. Gain new skills with more than 250 courses (and counting! 50% FEMA Rule appraisal, but an appraiser should at least be aware that there is some varia-tion in 50% FEMA Rule interpretation. If the OA did something wrong, demonstrate how it should have been done better. •ANDARD 1, in developing a real property appraisal, an appraiser must Under ST. … I thought that was sage advice, and I have always tried to live by it. As per Standards Rule 2-1 (c), even ordinary assumptions need to be disclosed. 12.6.4 The Capitalizati on of Ground Rent Method 12.6.5 The Land Residual Technique 12.7 Special Considerations in Land Valuation 12.7.1 Legal Changes to Land 12.7.2 Physical Changes to Land 13.0 THE COST LESS DEPRECIATION APPROACH 13.1 Description of the Approach 13.2 The Importance of Stratification 13.3 Units of Cost (iii) A violation of this subdivision (a)(2)(B) is a ground for discipline against a person holding a license, certificate, or registration under this chapter; or (C) Violates any other provision of this chapter. Whenever you appraise a home that is not yet built, for instance, you know with full certainty that the improvements simply do not exist as of the effective date of the appraisal, and yet the appraised value of the property reflects the completed improvements. In the end, remember that just because something is different than what you would have done, does not make it wrong. Appraisers that are unable to do this are either inexperienced or not comfotable with supporting their opinions. Appraiser’s typically segment out the above grade living area from the total living area for many reasons. It’s seems AMCs are the bad guys because they do everything to give the intended users what they are looking for. The Appraisal Foundation has learned to tap into government’s coercive powers – that is, appraisers must continually buy its copyrighted code, learn from the teachers it sanctions using copyrighted teaching material, and interact with its proprietary products in many ways in order to obey the law and work in their chosen profession. • The SCOPE OF WORK RULE states in part, Appraisers have broad flexibility and significant responsibility in . “All appraisals are really worthless if the lender refuses to accept a “Range of Values.”. It IS your job to look for real incompetency, deception, or fraud. Sometimes it is not a matter of right vs. wrong as much as it is a matter of my opinion vs. yours. Just because we are tasked with reviewing work from our competition does not mean we need to destroy them at all costs. I am not a fan of AMCs but have chosen to work “Through” a select few. It was by a “Licensed” newbie (not Certified and less than 2 years in real estate, let alone appraising) and supposedly reviewed by an MAI. Until all appraisers stop using college degrees and start using a Range of Values, appraisers will look like just lambs that follow rules that make no common sense and can’t be justified by using typical appraiser skills such as using comps to support their position. Your report is not always perfect because you did not follow the scope and you continue to forget Fannie Mae, Appraisal Practices and Procedures, and USPAP constantly go thru changes. USPAP only requires you to write the report with intended users in mind. This information may be subject to errors and should be verified by the user. Their level of sophistication or experience with appraisals and appraisal reports, The intended use of the appraisal and report. Now, do not misunderstand; my wise mentor did not say to ignore all mistakes and pass the Original Appraiser (AO) at all costs. Try coming up to the present. Assumptions (sometimes called “ordinary assumptions” or “standard assumptions”) are made in virtually every appraisal assignment. Though my Trainer was geographically competent in the area I worked, he was not physically ‘there’ most of the time. The competency rule requires the appraiser to assess his proficiency for performing an assignment. For example, if Steve Jobs, Bill Gates and Larry Ellison do not have a college degree but look professional to the world, why does a an appraisers need a college degree in Dance or Theater to look professional to the world? For units in condo or co-op projects, the appraiser should use interior perimeter unit dimensions to calculate the gross living area. Appraisers are required to take the USPAP course every two years to remain current on the changes. In fact, a difference of opinion was the sum-total of about 90% of his findings. Urban areas (densely populated) typically have comparables within 1 mile. Appraisers, therefore, should decide when substantially enough information is available to make a reasonable determination. The Lender (Intended User) sends us the Scope of Work and we make sure the lender’s Scope of Work is followed. He should have said: “Nearly all men can stand adversity, but if you want to test a man’s character, give him power.”~ Abraham Lincoln Our approved appraisers take pride in preparing professional appraisal reports with quick turn-around times, excellent communication and consistent status updates. For related info, check out our course, Residential Report Writing: More than Forms. Sharing data is much different from coercing or … Competency is a foundation of USPAP and a rule for appraisers. For example, you might state, “the appraised value is subject to completion of the improvements per plans and specifications, based upon the hypothetical condition that the improvements were complete as of the effective date.” You would also need to state that the use of the hypothetical condition may have affected the assignment results. I also wished the know- it – all appraisers who have been appraising for the past 30 years stop saying it. So, what was Mr. Tutor trying to teach an aspiring, young appraiser? Examples of common assumptions in real property appraisal reports include: USPAP defines the term extraordinary assumption as: “an assumption, as of the effective date, which, if found to be false, could alter the appraiser’s opinions or conclusions.” While an “ordinary” assumption may be made in virtually every appraisal assignment, an “extraordinary” assumption is directly related to a specific assignment. Additionally, any appraiser that agrees with the false assumption that a 4 year college degree is necessary compare why a college degree is not required to be a Governor, President, Juror or the Chief Justice of the US Supreme Court. I don’t think the MAI ever looked over her report. As provided by the USPAP Scope of Work Rule, appraisers are responsible for establishing the scope of work to be performed in rendering an opinion of the property's market value. Would you allow your child to fly on an airline if you looked in the cockpit and noticed warning signs and disclaimers on the flight gauges warning the pilot that the information the pilot uses to fly the plane was subject to errors? I have incorporated several techniques and comments that I have discovered on reviews into my own work. I was once given a failing grade on one of my appraisals, but was given the chance to refute the reviewer. The following information was taken directly from Fannie Mae’s2019 Selling Guide. Great article I hope other appraisers read this and take heed of it. Well said!! Prideful, defensive responses to the appraisal process is diminishing to everyone, even on a good day. Appraisers must avoid "subjective, racial, or stereotypical terms, phrases, or comments in the appraisal report," according to Fannie Mae. She instead cited comps shown on the builder’s website. Such details provide useful context for appraisers. 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