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If rules exist, they should exist equally for everyone.
If rules are indeed rules, then their application needs to be consistent not capricious.
But if rules were open to political interpretation, which rules were truly the best to follow?
"Of course it is if rules are violated, whatever they are; that's the definition of cheating," he said.
Banks and some of their customers say the economy, and bank profits, will be hurt if rules bite too deeply.
Conversely, if a neighbor is already building, the book will help show if rules are being followed.
"If rules were mandatory rather than voluntary it might tend to enhance the industry's effort at compliance," said Mr. Roh.
Even if rules were promulgated on this issue, he said, they would not become effective for several months.
Even then, it will be an uphill battle, given the threats that banks can make to cut back lending if rules are too tough.
Obeying rules is generally a good thing, but can be taken too far if rules are applied inflexibly or without taking into context into account.
If rules of thumb suggest to households, firms, or the government that borrowing, debt or other things have gone out of whack, they may cut back.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com