It is exactly as I mentioned. Your opinion is for you. It is for me to conclude what I can from it. My opinion and my viewpoint is for you to agree or not or think about. I am not here to convince anyone.
Every buyer uses an mm, every seller uses an mm, every mm uses another mm or their own house. What each does with the other and how they use and abuse the rules, the 3 day settlement periods etc, etc is for many to review and understand.