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All the Local Education Authorities operate slightly differently and there is a great variance in the amount of time it can take them to process a DSA application . Through our meetings with Ogden field management , we learned that there was considerable evidence - - I 'm sorry - - variance in the guidance that they had received at local stations from FAA staff and authorized sources as to what specific section of the FAR and what they meant . With such wide variance in the impact of predatory lending laws on the market , Ho and Pennington-Cross concluded that their analysis indicates that " policymakers and legislators may want to pursue further research to focus on the particular factors that could make predatory lending laws perform as intended . We also briefly consider robust estimation of the wavelet variance in the presence of contaminated data .