Saying “qualified target” instead of GOAL is the same thing, it doesn’t make it optional to employees but market it and make it appear that its optional to customers and State Regulators for CPL. As far as DQ, you CANNOT make customers pay, you can call 6 times a day and if they do not answer you don’t get paid. How about instead of taking away pay from employees who try to collect on those the company gave thousands of dollars to on an auto approval system, you take pay away from senior management and the Board who make ZERO calls to collect. As far as titled %, stop offering more money unsecured AT THE SAME RATE as using a car for less money!!! Dumb!!!