[Jamo]

Getting back on topic to Tom's question (since I helped get it off track), I think What'saCobra hit the nail on the head. It's a matter of percentages...not unlike a Smokey Yunick method of building race cars. Push it to the limit until somebody screams...then settle it quietly and find another scheme. Doesn't matter whether we're talking about auction houses, real estate, mortgage brokers or whatever.