Root element for NACV Response. Min Occurance = 0, only on initial submit Max Occurance = 1 AKA OriginalTransactionID used by Equifax and PPS as transaction unique identifier. Populated for resubmits only, passed by CAL. Levels: Approved Approved with warnings Denied Contains decision text translated from vendor decision using business rules at CAL. It will contain multiple history or all for resubmits. Default value = 'Y' Default value = 'Y' Default value = 'N' Contains standard text displayed to the user in case the customer has been denied and needs to contact vendor directly for further information. Collection of exception keys that VB uses to create checklist items for correctable client data. Collection of exception keys used by VB to use warrning-error popup functionality. Y = Yes, N= No It defines Washington Mutual date formats CCYYMMDD HHMMSS