@lookingforward Thank you. Ultimately, it is the institution’s money and we can do as we see fit with it. We strive very hard to be as generous as possible but to do so in a manner that is both fair and equitable. We are always willing to listen to special circumstances but please don’t play games with the application. We believe me we have seen it before. As @BelknapPoint says just report fair market value and if you disagree tell us.