You have just found an ideal, fairlypriced piece of land on which to build your company's next residential subdivision. You must move quickly, however: The seller needs fast cash and must close on the purchase of the land within 30 days. "Boilerplate" Loan Commitments Several subcontractors in town have agreed to hold favorable prices for you if they can start work within the next 45 days. This, you assure them, will not be a problem, because you've just had a very productive meeting with your banker, who agreed to give your company a construction loan. You receive a commitment letter from the bank that seems a little long, but appears to be "boilerplate." In the interest of moving the