Moderation is a modern virtue. We're taught we don't need to eateverything before us and we don't need to drink until it's allgone. Sometimes, we can just say no.

But for some brokers, any voluntary case is a great one and theyrarely turn their back on that. This is one reason participationrates are slipping and we see so many cases with 3-4 percentparticipation. These are damaged cases.

Damaged cases hurt you, the broker. Obviously, the revenuepotential of the case wasn't realized. When you think of the workthat goes into closing a case, it hurts even more.

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