A first for me. I have always advocated narratives for estates so that the client won't be so tempted to take the report to a bank and try to use it for mortgage purposes. Got a letter asking me to "switch over" the appraisal to a local banker.... Gee, the appraisal is 10 months old and written for an estate lawyer...no problem, do that in 3 minutes right? 50 page narrative of a complex property. crap.