Good question, first client was told by the mortgage banker their return was prepared incorrectly (you guessed it, no payroll) for 2019, the second was a referred by another new client. I do take the time and explain to them how things work, about two years ago another new client was paying themselves very low wages and I told them their salary doesn’t seem reasonable and you should increase it etc.. Last year when they went to get pre approved for a loan the banker told them their return was prepared incorrectly because their wages were too low, client actually defended my work and basically everything the banker had told her she already knew from me