Does anyone recall when the monthly pay credit life product was approved by the Texas Dept of Insurance back in 2003? My recall is that Texas Legislation in 2001 required that a borrower had to be given a choice between single pay and monthly pay insurance products on any credit insurance with home loans. Then the monthly product was approved by the Insurance Commission in 2003. Has anything changed? Don't you still have to offer a monthly premium product if selling the single premium product, offering the borrower a choice? Can anyone give me some direction on this?