Utility Bill Name Must Match Lease sounds like a micro-optimization until you are at People's Park teahouse where mahjong soundtracks your afternoon.

A regular at the corner noodle shop once showed up to PSB registration without the landlord and got the slow queue. The fix took less time than telling the story.
Try this once: write the rule on your phone lock screen for three days. If it survives, it is yours.
Not gospel.
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