Thanks for your response. Sorry, I didn't explain myself well. If the lesser of the three is NFIP $250,000 and that is what we use in underwriting to get NFIP insurance, but our loan amount is much higher and we have the option to require more private insurance, do most Banks just take the risk and not require the extra coverage they can do through private insurance? We have always been risk adverse and now with some new production staffing, Im being told that if we ask customers to get more private insurance to lessen our risk we are not going to be competitive in the market. Is that what is happening in the marketplace? I was looking for other Banks to tell me if they are now taking on this risk and not requiring. Is there anything in S&S examination manuals that addresses these risks? I couldn't find anything.