1. Identify the benefit(s) of a one-time application. A. Less time spent on paperwork B. Less money spent on legal fees C. Less time spent keeping track of multiple products and institutions D. All of the above
	2. How does the Scotia STEP program lower a customer's borrowing costs? A. Consolidating debts B. Securing debts against the value in the customer's home C. Eliminating legal fees associated with the refinance of a mortgage D. All of the above
	3. Laddering involves staggering of the completion dates of different mortgage components as well as varying the types of rates to take advantage of today’s low rates and protect the customer from future rate increases. A. True B. False