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It's not likely that your daughter is going to be applying for a
loan.
Actually, it's extremely likely that she'll apply for a loan. Not
today, perhaps, but in 20 years!
Will the records for Charles' great-grandmother still be on file at that
time? If so, there's a problem, isn't there?!
This type of date logic will work as a one-off means to convert the file
from the old MMDDYY format to a true date field. But, it's not
something you want to make a part of your ongoing business into the future.
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