Not so. Fannie's only hope is to be concerned with the new UAD world. The most important thing is making sure if a box is checked it has a number greater than 0, except if you check the "none" box and then have any entry, then its a 'fail.' In the future all reports will be syntax perfect and cost the borrower $1000 (appraiser gets $200 as C&R). Never forget that the original 1004 form creator didn't want a CA included, but it was included as an after thought.