Our home study is almost done and we trying to choose an agency for placement. We have spoken to four so far, three of which would have us risk living expenses in the event a BM changes her mind and one more expensive agency which provides less financial risk. We totally understand that a BM may decide to parent, but are having trouble trying to decide how to balance the risk of a change of heart against choosing an agency that costs more but offers more certainty financially. Of the three agencies where we would bear more financial risk they each say about 20% of their BMs decide to parent. We'd be interested to know how others made their decision/their experiences. I feel worried enough the emotional impact of a change of heart let alone the financial risk.