[ryan $]

I will just never understand why they dont save every ones time and efforts and UW b4 they give out contracts like the norm, noone wants to send files to go thru all the steps and have the merchant mailing **** out to then say oh btw the deals dead heres another contract lol feel like that wastes more time

It gets expensive.

They used to do it that way, then you havemerchants backing out and the underwriting costs go through the roof.

This way contracts in, then all the expenditure happens.

If you put money into your own deals youd know why this way is better.