I would like comments around the requirement to force place flood insurance on properties when the loan is in default. Obviously, the requirements to force place insurance if the borrower has not maintained it applies even in the borrower is delinquent or in default. And it also seems clear that once the property has been foreclosed and is being held in OREO or is sold to a third party, there would be no requirement for flood insurance to continue to be force placed by the Bank. But what about situations where the loan has been charged off--it seems to me that just because we have had to put the loan in a charged off status doesn't change our obligation to force place insurance if the borrower isn't carrying it. Thoughts?