Haha, if you really must know Scott. I presented it to the negotiator who presented it to the trustees of the bank, who had the final decision. I simply stated that if they did not get a satisfied in full, my clients would not be able to purchase a new home, or would not be able to rent in the State of NJ, so therefore they would have to remain in their home, until they could no longer afford it. Citibank was more than cooperative, this was all done verbally with them, not once did I have to negotiaste that in writing. Two days later the approval was issued by Citi and it was on the approval from them in writing. I did know that the3y would cooperate, most banks will, they don't have a problem with the "satisfied in full" remember it looks better for them to have a discharged mortgage rather than a defieciency judgement, get it? It just all depends on whether or not your negotiator is capable of understanding what you are asking from them. Hope that helped.