Three points could be nothing more than cause for concern. It's hard to calibrate these systems. For instance, Val Smith, an unquestionably legitimate agent, lives in the very small upstate town of Modena, NY. That's one demerit. But Val learned her chops working for the redoubtable Virginia Kidd, who in the SF and fantasy field had an absolutely stellar client list: Ursula Le Guin, Gene Wolfe, Anne McCaffrey ... to name but a few. And since Val has no other demerit-worthy habits that I know of, she come out with a score of 1.
[size=-1]George Harrison Titsworth and Janet Kay Titsworth also get one demerit, in their case for being in San Angelo, Texas. However, they also get festooned with demerits for other causes, to such an extent that I can't begin to calculate their final score. Let's say it's way off into "do not touch with a ten-foot pole" territory, and leave it at that.
Maybe there should be extra points for being under indictment.
I like the Fisher Scale. It doesn't say that anyone is a crook. All it does is measure the extent to which a given agent shares characteristics that have been observed in scam agents.
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