There are strict laws that govern how a loan officer can be paid. The PRMI Elite Program is not a profit and loss (P&L) financial system. Unlike a P&L model, you still get paid basis points on each loan you fund, but you have more flexibility on how it's structured. There could be a good business reason to waive a fee or price a loan at 99.0; sometimes it's worth the loss in order to keep the referral source. Other times, it might be best to let the client walk. The point is, it's your decision. You know your business better than we do. We let you manage it.