When a distressed listener learns a hard lesson, she writes in to ask Schmoopy to go over exactly what the CL 100 is and how it works so that other agents might be spared her same fate. If you've ever wanted to know the ins and outs of a CL 100 then this one's for you. Today's episode is brought to you by Bill Payne NMLS ID#: 283298 with First Home Mortgage