[BR-Nightmare]

"Brokers are the worst" but you have nothing without brokers. Remember they do most of the leg work.

This depends, some work with underwriters the whole step of the way, some send the ID, and voided check, email the number to the merchant, then disappear. I will say it has its benefits sometimes, but then when the file is a mess, it sucks they may not be of help.

Point blank, some people submit whatever they can to see what they can get (Even Azi Rei, Vectorless Films, ect), then some put in the time and effort to take a submission to the finish line.