Pearl can't seem to make up it's mind in UW. They give big approvals and then cut them. Happening a lot lately. One of my merchants had to do a COJ 3 times because of changed approval amounts after UW. If you are CAN, Rapid, underwrite on the back end, fine. But don't be an F paper stacker with mountains of paperwork, 10% junk fees, and then cut approvals. It's bad business.