This makes sellers unhappy, and unhappy sellers tend to share their unhappiness with the real estate agent, who in turn question the competency of the appraiser and by association, the competency of the loan officer (me).

FORBES: Anatomy of a Purchase Mortgage - Chapter Two

In addition to the argument about the competency-based education approach presenting a poor simulacrum of the traditional higher education experience, there is also the nagging question as to whether the students who pursue this type of accreditation have truly gained the same level of subject area knowledge and expertise as those who have slogged through four years of course work.

FORBES: A BA In Burger Flipping: Is College Credit In Exchange For Life Experience A Fair Trade?