[mfcchris]

Thank you for that Kim. I could not get my head round it at all until you cleared that up.

It makes sense now – the opinion would be modified, however you wouldn’t use the word modified, as it would be qualified, adverse or disclaimer.

[mfcchris]

1st attempt. 65 PM. 78 TX.

Can’t quite believe it. I was sure I had failed.

[Author]

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