Thank you for sharing your insightful perspective on fees and the intricate dynamics within this industry. Your points are not only valid but also resonate deeply with many of us working in this field. I am particularly drawn to your statement, “I did a lot of work lower than I should have but gained a lot of experience”. It seems to perfectly capture the shared experience and the essential learning curve that so many of us navigate in the beginning of our careers. At the beginning of me becoming a loan signing agent, I have also encountered similar, invaluable guidance from seasoned notaries across various online forums, including this one, which consistently emphasizes the critical importance of this initial learning period, even when it involves accepting rates that might not be ideal from the outset. While it’s understandable to feel frustrated and express our opinions about what can seem like “low ball offers or lousy fees,” it’s essential to maintain a healthy perspective. It is okay to “rant” and vent about these feelings, as long as it doesn’t devolve into self-destructive patterns that can lead to depression. Here’s my takeaway: once an individual moves past the “learning curve” and gains knowledge and experience, they must put that applied knowledge to use to build and operate profitably. It’s okay to acknowledge the truth about this business; yes, there are “low ball offers,” and that’s part of the art of negotiation. Yes, these low ball fees are lousy! Here’s the great thing: we do not have to settle or sell our services at these low rates. For things to change, we have to make a change!