69. According to PA Rules \& Regulations, when must a licensee provide potential buyers with an estimate of closing costs? A. when making the mortgage loan application B. before signing the sales contract C. at settlement D. when receiving the mortgage loan commitment 70. Which of the following is required to have a license, according to Pennsylvania's real estate license laws? A. a cemetery company B. a trustee in bankruptcy C. a licensed auctioneer D. an executor when acting under a will 71. An attorney-at-law is excluded from licensure in which of the following situations? A. receiving a finder's fee for referring a client to a local real estate broker B. negotiating the sale of real estate in a client's divorce settlement C. selling government owned property D. receiving a fee for engaging in brokerage activities on behalf of the owner of a commercial property