I'm Improving. How are you all doing on this addendum? If you need help, check out these attachments. For the First Question about Seller Paid Concessions, I've also added a disclaimer than only MLS was searched for ALL competing listings (in my area, we have about 10 FSBO sites). For the REO/Foreclosures question, I've added Realty Trac data along with MLS data because of the Michael Tarabotto The Landmines Within article, which states that 70% of REOs never make it into the MLS system. Have any feedback or tips to help me/us? Please add a comment. Hope this helps! Bill Cobb