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that three, and arguably four,
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of the main steps in the process are fee-driven,
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so that the alignment
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between the decision maker and the investor,
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or between the decision maker and the potential home buyer,
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may be muted by the decision maker thinking "Fees."
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If I'm thinking--let's suppose
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let's suppose I were a college admissionsofficer
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and I was paid by
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the live students delivered to the school,
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I might become very generous in my view;
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I might find creativity in unexpected places;