It does sound like a conspiracy, but I am seen as crazy here - the government and banks would never make decisions that advantage themselves.
Yep. Approval is good, now we can worry a little less and not be hammered on the schedule.
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RE: Snakes and stepladders
My kids are at the age where my friends and I are mildly exasperated with the things they find to get offended about, but I'm pretty sure our parents and some of our peers are similarly exasperated when we're thinking completely unreasonable things like that.
I remember talking to the outlaws about some of the more invasive laws coming in and mother in law was absolutely adamant and would not under any circumstances be told otherwise about all the things that could go wrong because "they wouldn't do that!" why not? "Because they just wouldn't!"
Literal quotes.
So yeh.