I have no problem with those who collect the balance prior to the event; if that's their terms, then perfectly fine. Just showing that sometimes a person may create a bigger drama over the possibility than what naturally exists. Of course it depends on your market. I am not sure we would carry the same policy in NY as we do in the midwest. That said, we regularly work in SD, CO, MN, WY, WI, IL, and NE so it's not a small local area in which I'm dealing.