you are absolutely right,we always try to buy near FMV, ONLY IF WE ARE TAKING A TRADE IN BETWEEN,THEN IF PRICE GO BELOW FMV WE WILL IMEDIATELY CLOSE LONG, I NORMALLY USE fmv JUST TO KNOW WHEN THE REVERSAL IS EXPECTED,NORMALLY IT WARNS US FEW HOURS IN ADVANCE, THAT ANY TIME IT MAY COME