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	<title>Flexible New Deal &#124; New Deal Scandal: Leading Welfare Reform Concerns &#187; penciling</title>
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		<title>New Deal fraud technique: “penciling”</title>
		<link>http://www.newdealscandal.co.uk/flexiblenewdeal/2009/06/30/new-deal-fraud-technique-penciling/</link>
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		<pubDate>Tue, 30 Jun 2009 18:06:13 +0000</pubDate>
		<dc:creator>Flexible New Deal New Deal</dc:creator>
				<category><![CDATA[New Deal]]></category>
		<category><![CDATA[YMCA Training]]></category>
		<category><![CDATA[new deal fraud]]></category>
		<category><![CDATA[penciling]]></category>

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		<description><![CDATA[The illegal act of:

Filling in a document with pencil 
Getting the client to sign (either in pencil or pen)
Later go over the pencil lines in pen to make a few modifications or rewriting the entire agreement
Erase the pencil lines (if client signs with pencil go over it with a pen first)

Or

Filling in a document with [...]]]></description>
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