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I know, and I agree. It's wrong and misleading to call Modified, Graded. Graded actually has some 1st day coverage.
1st day coverage at 30% of face maybe . . . But - still it's from day 1 . . .
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I need an IMO that gives you access to the Gerber E-App prior to 1st app submission.
I haven't had any luck mailing out the paper app for them to sign and return.
We have the Gerber App - totally paperless and for all their products. Pays as earned tho . . .