THe market is tough at the moment, and folks are asking ridiculous (at least ridiculous in MY opinion) prices for utter crap!

I'm going to tell you the same thing I tell everyone when they utter the phrase "no lease."

Your profit is someone else's loss" is utterly ridiculous and sounds like some socialist rhetoric.

No need to reinvent the wheel.The truth is, a "preapproval" may be issued by a lender utterly irrespective of an "application". 

No need to be utterly heartless in a situation like that, but until then... it’s business.

Phil at Maverick has been utterly useless.

:PBut, almost every time, the reason for someone backing out is a good one and the above statement is uttered not.

If it had stopped Themistocles, the entire western world might well be utterly ignorant and backward today, perhaps trying to beat their god-king's punishment into water, as the historian Herodotus recorded that Xerxes's slaves once were ordered to flail at the surface of the Hellespont, to punish it for being unruly and not allowing the Persian army to cross it easily.

I have heard nightmare stories from friends of taking 6 months or longer to evict bad tenants while they utterly and completely destroyed the property.   

The thing is, you're embarrassed to point it out, embarrassed to explain to her how utterly stupid this makes her look.