disclosures plain language symposium susan kleimann—kleimann communication group, inc
DESCRIPTION
October 2008. Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc. and people meet. Where policy…. "I am not in the office at the moment. Please send any work to be translated". -BBC News, 10.31.08. Public Policy— What is a disclosure document?. - PowerPoint PPT PresentationTRANSCRIPT
![Page 1: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/1.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
DisclosuresPlain Language SymposiumSusan Kleimann—Kleimann Communication Group, Inc.
October 2008
![Page 2: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/2.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
![Page 3: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/3.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
-BBC News, 10.31.08
"I am not in the office at the moment. Please send any work to be translated".
![Page 4: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/4.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Public Policy—What is a disclosure document?
![Page 5: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/5.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
HUD GFE Form (before)
• Problems—Consumers were not
shopping for the best loan.—Brokers were not passing
on YSP information.—Consumers were surprised
by unexpected settlement costs.
![Page 6: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/6.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
HUD GFE Form (after)Added single-page summary of terms
Clearly summarized loan components
Added at-a-glance settlement costs
![Page 7: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/7.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
HUD GFE Form (after)Added text to display YSP
Added summary lines to link back to page 1
Clarified other charges
Identified reference to interest rate
![Page 8: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/8.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
HUD GFE Form (after)Added tolerance table to explainpossible variations in settlement charges
Added tradeoff table to explain loan options
Added shopping chart to promote shopping and considering other factors
![Page 9: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/9.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Higher interest rate
Lower settlement costsLower interest rate
Higher settlement costs
Determining clarity of options for consumers
• One problem persisted: explaining credits or charges on page 2.
• So how did we get here?
![Page 10: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/10.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Our methodology
• Quantitative:Identify what the problem is.
• Qualitative:Identify why the problem exists.
![Page 11: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/11.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 4 Version (with two options)
X
![Page 12: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/12.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 4—Different Cost Loan Results(in percent)Q: Which loan is cheaper?
![Page 13: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/13.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 4—Different Cost Loan Results(in percent)Q: Which loan would you choose?
![Page 14: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/14.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 4—Same Cost Loan Results(in percent)Q: Which loan is cheaper?
![Page 15: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/15.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 4—Same Cost Loan Results(in percent)Q: Which loan would you choose?
![Page 16: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/16.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 4 Qualitative Results
• Participants said they chose a particular offer because they did not want the “higher interest rate” indicated on page two.
• Participants said that the broker YSP disclosure was not straightforward and perhaps manipulative.
• Participants thought that only brokers made tradeoffs.
![Page 17: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/17.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 5 Version (with two options)
![Page 18: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/18.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 5 Different Cost Loan Comparisons— Broker Less (in percent)Q: Which offer costs less?
![Page 19: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/19.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 5 Different Cost Loan Comparisons—Broker Less (in percent)Q: Which loan would you prefer?
![Page 20: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/20.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 5 Different Cost Loan Comparisons— Lender Less (in percent)Q: Which offer costs less?
![Page 21: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/21.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 5 Different Cost Loan Comparisons— Lender Less (in percent)Q: Which loan would you prefer?
![Page 22: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/22.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 5 Qualitative Results
• Due to the addition of the third option, participants’ bias about YSP disappeared.
![Page 23: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/23.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Time goes on…
![Page 24: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/24.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 7 Version
Added escrow box
Consolidated settlement costs
![Page 25: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/25.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 7 Version
Added tolerance tabs for navigation to page 3
Added tolerance language throughout
![Page 26: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/26.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 7 VersionIntroduced a reduced, prose versionof tolerance table
![Page 27: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/27.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 7 Different Cost Loan Comparisons— Broker Less (in percent)
Q: Which loan costs less? Q: Which loan would you prefer?
![Page 28: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/28.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 7 Different Cost Loan Comparisons— Lender Less (in percent)
Q: Which loan costs less? Q: Which loan would you prefer?
![Page 29: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/29.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Round 7 Qualitative Results
• Participants ignored the new tolerance references on pages 2 and 3.
• To identify lowest costs, participants looked at the origination charge, not the adjusted origination charge.
![Page 30: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/30.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
HUD GFE Form (after)
Returned to detailed settlement costs
![Page 31: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/31.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
HUD GFE Form (after)
Deleted all tolerance navigation (text and tabs)
![Page 32: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/32.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
HUD GFE Form (after)
Restored detailed tolerance table
![Page 33: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/33.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Estimated savings for consumers
• HUD estimates that the new GFE will save each consumer $700 at settlement
• RESPA covers 12.5 million settlements annually• Total savings from the new GFE:
• [almost three Donald Trumps (according to Forbes)]
$700 x 12.5 million = $8.75 BILLION*
![Page 34: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/34.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Confusing is easy.
![Page 35: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/35.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Unclear is easy. CP2000(Before)
![Page 36: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/36.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Dense is easy.NHTSA Sample(Before) This is a multipurpose passenger vehicle which will
handle and maneuver differently from an ordinary passenger car, in driving conditions which may occur on streets and highways and off road. As with other vehicles of this type, if you make sharp turns or abrupt maneuvers. The vehicle may roll over or may go out of control and crash. You should read driving guidelines and instructions in the Owner’s Manual, and WEAR YOUR SEAT BELTS AT ALL TIMES.
National Highway Traffic Safety Administration
![Page 37: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/37.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Garbled is easy.Request for Cash, Medical, and Food Stamp Assistance (Before)
![Page 38: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/38.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Neat and tidy but unclear is easy.Privacy Notice (Before)
![Page 39: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/39.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Short is easy.Credit Card(Before)
![Page 40: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/40.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Layout is easy. Good Faith Estimate(Before)
![Page 41: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/41.jpg)
clarity
confusion
/ think /
unclearidea orconfusionidea orclarityconfusion
(think)(confused)
confusionidea or
confusion
idea orclarityconfusionpages
(confused)clarityKLEIMANN COMMUNICATION GROUP, INC. | 1321 Rhode Island Avenue, NW | Washington, DC 20005
Clarity is hard…but possible.
![Page 42: Disclosures Plain Language Symposium Susan Kleimann—Kleimann Communication Group, Inc](https://reader035.vdocuments.net/reader035/viewer/2022062322/56814fbb550346895dbd7531/html5/thumbnails/42.jpg)
/ obscure /
unintelligible
gobbledygook
nonsense?confusion balderdash
failambiguous!cloudy
nebulous
difficult
vagueargh!
frustrating
impossible
do not want
not working clarity
Kleimann Communication Group, Inc.1321 Rhode Island Ave. NW Washington, DC202-737-5733