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It seems to me that whenever the Fed uses A's and B's, etc. in a rule that those A's and B's mean "or".
Look at 7-1-3 (a-d).
Look at 7-1-7 (a-c).
Look at 7-2-5 (a & b).
If they changed it to an "and" for this one rule, it wouldn't be consistent with the rest of the rulebook.
Just my two cents.
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Mike Sears
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