I do not want to look over my PM's shoulders and micromanage, at all.

I've been trying to since last week but they've been ignoring and cold-shouldering me, so I may have already been blacklisted.

And some would say (insurance actuaries, for one) that your increased returns come with you shouldering a bigger business risk.  

Luckily my 2 friends just had black eyes and I had a sore shoulder.

So on its face they would like the deal to work so they get a pay day but at the end of the day if it does not ... they just shrug their shoulders with an Oh Well and sorry poor seller that I tied up your home with no real ability to close etc etc.This type of behavoiur is probably one of the reasons the banks and other sellers are going to demand much higher EMD .. so in the end its the very people that do not have any funds or are not willing to put their own funds up that are creating this higher EMD environment and they are shooting them selves in the foot with unintended consiquences.

We cannot and will not place that on Clayton's shoulders.

I was in first class so not as intrusive to the neighbor as being back in coach where your really shoulder to shoulder. 

I have shouldered $1200 my portion from work ins, and my wife had a few surgeries and AFTER my co pays and monthly $1200 per month I still had $25,000 out of pocket.

So, those payments and financial responsibilities fall on your personal shoulders (and savings).  

The best way to learn is JV by investing in someone's project so you can look over thier shoulder.