All that may be technically true, but for the average person, it is way easier to understand how to use two browser types than how to clear all the Citi AA cookies correctly and yet have both apps up at the same time, both filled out, and both ready to hit Submit one after the other.

I don't want to clear all my cookies, ie even ones not related to Citi AA apps. So to me a "you can just clear all your cookies" is not a solution. And a more fine-tuned solution about cookie clearing is more steps than (for example) starting up Firefox and starting up IE at the same time.

Furthermore, the instructions for clearing of cookies -- fine-tuned or not -- is browser-specific, but the instructions to use any two different browser types is not browser-specific or even platform specific.

That is why many of us recommend the two-browser trick for that. It's a simple way, no matter what you know or don't kinow about cookies, no matter what platfrom you're using, no matter whether you fill out both apps before you hit Submit or not, to avoid problems. So it's an easy "single solution" to publish.