An appraisal report, rather than a competitive market analysis (CMA), is most appropriate for a client when a licensee is: assisting a landlord in determining the rental rates for a landlord's rental properties helping a client make a \"lease versus buy\" decision for an office condominium aiding a seller in determining the price at which to list a unique property advising a seller on setting a listing price in a neighborhood with an abundance of similar homes the cost of an insurance policy that protects against defects in the title is paid: once, when the policy is issued each month, With the mortgage payment once each year at premium renewal a sales person develops an innovative business model offering additional services to buyer clients using the latest technology. The sales person needs approval from the listing agent broker of the office State Real Estate Commission operator of the multiple listing service a property considered undesirable due to an event that has occurred there is: Clouded Traumatized Stigmatized Shrouded when a contract is binding to one party but not another, the contract is referred to as Void bilateral Unilateral Implied