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However, he also often spent three or four nights a week holding clandestine meetings. There are four general stages you’ll go through: raw land, pre-development and entitlement approval, development, and post-development/income producing. Most of the agency’s overseas officers are under official cover, meaning they pose as employees of another government agency, such as the state department. This means they usually pose as employees of real international corporations, employees of fake companies or as students. Other companies have similar practices. NOC is more dangerous than having an official cover, because if NOCs are caught by a foreign intelligence service, they have no diplomatic immunity to protect them from prosecution in that country. Returned checks and insufficient funds (NSF) fees are a great way for banks to make money, because they’re counting on those mistakes and oversights that happen to us all from time to time. Lenders make decisions about the creditworthiness of borrowers based primarily on credit reports and credit scores — two ways to quickly assess an applicant’s credit history.