When is an approach complete?

[italia458]

I believe aterpster is under the impression that if a hold is NOT depicted, then you don't hold at the clearance limit - which is incorrect.

I'm full aware that a hold doesn't have to be depicted at the clearance limit of an instrument approach, and in a number of cases it isn't. But that doesn't change the fact that once you reach your clearance limit, you are to hold!