A CVT does not strictly require the presence of a clutch. Nevertheless, in some vehicles (e.g. motorcycles), a centrifugal clutch is added to facilitate a neutral stance, which is useful when idling or manually reversing into a parking space.
To avoid financial disasters such as bankruptcy or foreclosure, first-time home buyers should conduct thorough research on real estate prices, neighborhoods and financing options.
As a result, you can qualify as a first-time home buyer several times during your lifetime. For example, if you sell your home and live in an apartment for three years, you're now a first-time home buyer under the IRA definition.