We have a client who calls us once a year to review their types of transactions and see if they are running them properly to their best benefit. Turns out this year, Bob from Brand X had submitted his bid for their business. He had a proper letter outlining his proposed fees (turns out it was not a complete list). He had pre-filled out an application with his rates. (Turns out Bob does not even know how to properly fill out an application. Turns out Bob put different figures on the application; higher ones.) Poor Bob. Will he ever get it right?