1. The following is a list of contract provisions. Do these provisions favor the seller or the purchaser? a. Seller is to convey insurable title to the real property at closing. b. Seller is to convey title to the real property subject to utility easements and other restric-tions of record. c. Seller shall not alter or encumber the title to the real property after the date of the contract without the prior written consent of purchaser. d. The real estate contract is freely assignable. e. The contract is silent as to risk of loss between date of contract and date of closing.