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Annie Fitzsimmons, a lawyer for the Washington Realtors Legal Hotline, addresses real estate practices for experienced members. She criticizes the use of promissory notes for earnest money, labeling this practice as outdated. Fitzsimmons emphasizes that there is no need for promissory notes, as sellers often insist on them for buyers who require extra time to deliver earnest money after mutual acceptance. She acknowledges reasons for delayed deposits, such as awaiting inspection outcomes or needing time to access funds, but discourages reliance on promissory notes in such situations.