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To account for cases where Effective Date needs to be greater than Settlement Date, use Web Panel Designer to add an overlay to the open panel (pan-cdxopen.htm for CDX, pan-irswapopen.htm for IRS). This is tracked as bug # 156910. Change this:

IF :2857: > :37: THEN ERR("Effective date cannot be greater than settlement date.");

To this:

IF :2857: > :37: THEN WARN("Effective date is greater than settlement date.");

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