I reread my post, I wasn't very clear.

Now re read that message, and tell me it is not filled with energy advice and teachings, while I try my best to make the mood  lighter, to make it not so boring and serious and depressing.

As I was re-reading some of my loan documents, I re-read the pre-payment penalty on a loan and it's worded after the percentages:  "of the principal balance then outstanding shall be paid to the bank" - what is the percent prepayment penalty based on? 

Then a second 'retainer' was taken out which was also in the contract after I re-read it for a 'maintenance retainer'. ie: any work that needed to be done this could be used.

Also, when I reread your post I think there’s a disconnect on your payments.

So I've been reading and re-reading many books on investing and have come to BP to gain as much knowledge as I can. 

I'll have to re-read all of this now and again.

@Dan Heuschele reread my post- I've had investors approach me with those circumstances many times.

Oh, I just reread your post.

You might want to go back and re-read... or look at what Realogy is by reading the introduction under 'Item 1.