A buyer and a seller have employed an escrow agent to handle a closing. Which of the following statements Is true?

a. Buyer and seller do not need to attend the closing.
b. The seller receives the earnest money deposit from the escrow agent as soon as the buyer delivers it.
c. The buyer receives legal title as soon as the seller accepts the down payment.
d. The escrow agent certifies the buyer's earnest money check and provides the buyer with an opinion of abstract.