n2 "It is astounding that beneficiaries still enter full credit bids without consideration of their effect. The full credit bid rule is so clearly established that it would be apparent malpractice for an attorney who conducts a foreclosure sale to fail to advise a client of its effect prior to the sale." (4 Miller & Starr, Cal. Real Estate, supra, @ 9:158, com. (1996 pocket supp.) p. 106.)