Just a quick note. I would like to see more encompassing disclosure requirements for every property by sellers including: all municipal permits issued, police reports, insurance claims and utility bills for their period of ownership. In my opinion it is entirely unacceptable to have such lax requirements for one of the biggest financial commitments anyone can make. It seems to me that the majority of agents and sellers operate under the principal "don't ask, don't know". This may be fine for a tear-down but in today's hot market, buyers deserve to know more, a lot more.