I just can't fathom what companies to to get 20% RMA rates?
I used to work for a decently sized OEM, out RMA rate for Asus mobos(we used them exclusively since we got good prices, low RMA rates, and good RMA policies).
And I know people who work for a pretty large retailer, the deal used to be pretty much the same there(long time since I checked).
They ended up selling Asus and MSI mobos, since those were the best in terms of RMA rates and policies, while Abit had too high RMA rates, though nothing along the lines of 20%.
20% is just way too high to be normal, unless mobo quality in general has dropped ALOT lately.