Yes, the current state of bankruptcy law and consumer protection law is heavily against secured creditors.

I've been diligently reading as much content and BP books as I could consume over the past few months.

You would go to Realtor.org (not .com as that is for consumers).

Eventhough I posted here, ripoff report, consumer affairs, bbb, rei-blacklist I have found that she is still ripping people off. 

This is delaying the process and really inconvenient, not to mention time consuming.

Managing the transaction after the offer is accepted is by far the most time consuming part of being an agent.

“Contribution” represents the portion of sales revenue that is not consumed by variable costs and so contributes to the coverage of fixed costs.

However the majority of consumers do need them....and also probably a pretty high percentage of people who do not think they need them in fact do...which is why by far the vast majority of attempted FSBO's end up listing with an agent in the end anyways.

BP holds ample information for you to absorb, so consume to your hearts content.

A little clunky and time consuming in my opinion.