Well, it's in the Strib, therefore it must be true.
Do we know who her instructor was?
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Now we have that out of the way:
1) The tale of the tape may be different in subtle but important ways than the story we've heard, but we'll probably never know, because the tape will probably never be made public.
2) We will probably never know whether she really had a permit, because this will never go to court, and there is no other way to find out.
3) No judge will go along with a felony conviction for somebody talking stupid on the phone.
4) The evidentiary and chain of custody problems for whatever audio was recorded by the bank would be problematic for prosecution.
5) And no, you can't fix stupid, and it's really not the instructor's jobs to be the gatekeepers who turn away people who are of questionable judgment or intelligence.