Ploy and Modification

noun

• An opening remark intended to secure an advantage for the speaker.
  • synonyms: gambit
• A maneuver in a game or conversation.
  • synonyms: gambit, stratagem

• (v.i.) To form a column from a line of troops on some designated subdivision; -- the opposite of deploy.
• (n.) Sport; frolic.

noun

• The act of making something different (as e. G. The size of a garment.
  • synonyms: alteration, adjustment
• Slightly modified copy; not an exact copy.
  • usage: "a modification of last year's model"
• The grammatical relation that exists when a word qualifies the meaning of the phrase.
  • synonyms: qualifying, limiting
• An event that occurs when something passes from one state or phase to another.
  • usage: "the change was intended to increase sales"; "this storm is certainly a change for the worse"; "the neighborhood had undergone few modifications since his last visit years ago"
  • synonyms: change, alteration

(n.) The act of modifying or the state of being modified; a modified form or condition; state as modified; a change; as, the modification of an opinion or of a machine; the various modifications of light.

Occasionally, a lender will agree to modify the terms of your mortgage without requiring you t refinance. If any changes are made, it is called a' modification'.