George: You are right and I thank you for pointing out the fact that I did not use the correct terms. I was attempting to be subtle with my description of the fact that there are those that are very good at embezzlement, which is exactly what marking up the fees on a HUD-1 amounts to, that is if they don't add anything to the base work provided, which is something that is hardly ever done.The ones that need to be careful are the ones certifying the accuracy of the facts and charges reflected on the HUD-1. Just remember that liability is shared proportionally - so if you charge $150 to do the title and the HUD-1 has $300- they are liable for 50% of  any claims that might arise.
I do know you were just joking , too.
Steve Meinecke
IA/Titlefax
Woodbridge, Va
PS- spellcheck is a free service on here- use it so the rest of us can learn to spell all those big words.