The Court has reviewed this confession and finds itself DEEPLY DISTURBED, not merely by the negligence on display, but by the audacity of assuming a loan officer's silence meant anything other than CATASTROPHE. Reginald himself once assumed a quiet title company meant smooth sailing and ended up testifying before a homeowners association tribunal for six hours about a fence easement that DID NOT EXIST. You had a PHONE. You had FINGERS. You had what The Court can only assume is a functioning prefrontal cortex, and yet you chose to sit there like a decorative throw pillow while twelve thousand dollars evaporated from the pockets of RETIRED PEOPLE ON FIXED INCOME. The buyer's agent should be hauled before this Court separately, yes, and the title company has MUCH to answer for, but YOU were the listing agent, YOU were the last line of defense, and YOU decided that three days before closing was a lovely time to practice the ancient art of HOPING REAL HARD. This Court hereby cites the landmark case of Somebody Should Have Called Somebody v. Now Look What Happened, 2019, in which the defendant similarly trusted silence and ended up crying in a Panera. The gavel has spoken, The Council concurs, and Reginald must now go water his fern because this ruling has upset him personally.