I'm not talking anything illegal; these are those insider tricks of the trade used to squeeze higher commisions from clients. Some of my ex-fellow employees (soon to be ex-friends if I post this Hub) would use this insider info to slightly increase their paychecks. But it seemed that some "top sellers" took advantage of the buyers' ignorance of this information to finance their childrens college education. No names would be used, it's an industry wide practice. I'm not a disgruntled ex-employee, but in todays economy every struggling business may appreciate any advice to save money.