After listening to this call yesterday I have a question that I asked but never got answered, so I'll try here. Forced place hazard insurace: if the bank already carries a blanket policy to cover the bank for lossesin the event of lapsed insurance, do you think that we still have to force place to also cover the consumer? If so that is going to be a very difficult task to monitor. It's not like flood where not all of your properties are in a flood, but all of your loans require hazard. What a mess!!
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