Brenda, I made no assumptions. The question didn't provide enough information to make assumptions.
Karen may well have received this but not had it reviewed with her, she may not have understood its importance, it may have been misplaced, or the agent never gave it to her. There are a myriad of reasons she might have asked the question. My hope was to prompt her first to look in whatever file she might have for her real estate paperwork and look for that document. Since many consumers read these posts, it seemed like a good forum for anyone interested in real estate to realize this is a document that all real estate agents in NC at least, by law, must provide to prospective clients.