So you don't know what TUE is?
If a doc give Fael a exemption for 10/1 level and he gets caught at 15/1, he's ****ed.
But if a doc gives him an 20/1 and gets caught at 15/1, he's OK.
So the level doesn't matter at all as long as he gets a TUE wich they conveniently "can't" disclose.
I'm pretty sure there is a limit to what is considered acceptable under most commissions. I think it is a 6-1 ratio.