Leon County Real Estate Closing Costs by afm90393

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									  FORM_NUM       VERSION
OIR-B1-1682/1683       1




                           Thank you for your data submission.

               If you need any assistance during the filing process,
                                please contact the
           Market Research Unit’s Data Collection and Analysis Section at

          TitleInsuranceExperienceReporting-Agency@fldfs.com
                                     (850) 413-3146
        COLUMN A               COLUMN B

For verification purposes,
 please select the filing     Selected Year
 year from the list below

              2001
              2002
              2003               2001
              2004
              2005
           AGENCY NAME:
FLORIDA LICENSE NUMBER:
        FEDERAL EMPL ID:
                 ADDRESS:
                     CITY:
                   STATE:
                ZIP CODE:
        CONTACT PERSON:
 Select Florida counties
   where the agency          Selected County
         operates
               STATEWIDE
                 ALACHUA
                    BAKER
                      BAY
                BRADFORD
                 BREVARD
                BROWARD
                 CALHOUN
              CHARLOTTE
                   CITRUS
                     CLAY
                  COLLIER
                COLUMBIA
                  DE SOTO
                     DIXIE
                    DUVAL
                ESCAMBIA
                 FLAGLER
                FRANKLIN
                 GADSDEN
                GILCHRIST
      GLADES
        GULF
   HAMILTON
     HARDEE
     HENDRY
   HERNANDO
   HIGHLANDS
HILLSBOROUGH
     HOLMES
 INDIAN RIVER
    JACKSON
   JEFFERSON
   LAFAYETTE
        LAKE
         LEE
        LEON
        LEVY
     LIBERTY
     MADISON
    MANATEE
     MARION
      MARTIN
  MIAMI-DADE
     MONROE
     NASSAU
   OKALOOSA
 OKEECHOBEE
     ORANGE
    OSCEOLA
  PALM BEACH
       PASCO
    PINELLAS
        POLK
     PUTNAM
  SANTA ROSA
   SARASOTA
    SEMINOLE
    ST JOHNS
     ST LUCIE
    SUMTER
  SUWANEE
    TAYLOR
     UNION
   VOLUSIA
  WAKULLA
   WALTON
WASHINGTON
COLUMN C                         COLUMN D                      COLUMN E   COLUMN F       COLUMN G           COLUMN H         COLUMN I        COLUMN J          COLUMN K          COLUMN L              COLUMN M

                         REPORTING YEAR 2001                                                                                    ACTIVITY


                   EXPERIENCE REPORT
           AGENCY AGENCY EXPERIENCE REPORT                      TITLE                                     ALL ACTIVITIES  RTS PROVIDED TO RTS PROVIDED TO   RTS PROVIDED TO
                                                                                                                                                                                                     ALL ACTIVITIES
 Trade                                                          LOSS        PTS          MARKETING       EXCLUDING RTS &   TITLE CLIENTS   TITLE CLIENTS       NON-TITLE      MISC. ACTIVITIES
 Secret
           PART 1 - INCOME STATEMENT ($,000
                   PART 1 - INCOME STATEMENT
                                                               FUNDING      (2)             (3)                 MISC.       (CLOSING &      (ALL OTHER)          CLIENTS             (8)
                                                                                                                                                                                                       (9) = SUM
           OMITTED)     ($,000 OMITTED)                                                                                                                                                                 4,5,6,7,8
                                                                  (1)                                     (4) = SUM 1,2,3   ESCROW) (5)          (6)               (7)



           REVENUE
           1. TOTAL TITLE INSURANCE PREMIUMS                                                                                                                                                                          0
           2. PREMIUM REMITTED TO INSURER                                                                                                                                                                             0
           3. PREMIUM RETAINED BY AGENT (1 MINUS 2)                                                                    0                                                                                              0
           4. PRODUCTION REVENUES
              A. SEARCH                                                                                                                                                                                               0
              B. EXAMINATION                                                                                                                                                                                          0
              C. CLOSING & ESCROW                                                                                                                                                                                     0
           5. OTHER REVENUE                                                                                                                                                                                           0
           6. TOTAL REVENUE (SUM 3 THROUGH 5)                                                                          0                0               0                 0                      0                    0
           INTERNAL EXPENSE
           7. TITLE LOSS & LOSS ADJUSTMENT EXPENSE INCURRED
              A. POLICYHOLDER CLAIMS - LOSSES & ALAE
              B. POLICYHOLDER CLAIMS - ULAE
              C. NON-POLICYHOLDER CLAIMS - LOSSES & LAE                                                                                                                                                               0
           8. INCREASE IN TITLE STATUTORY PREMIUM RESERVE
           9. TITLE PLANT RENT AND MAINTENANCE (INTERNAL)                                                              0                                                                                              0
           10. PERSONNEL COSTS
              A. SALARIES - EMPLOYEES                                                                                  0                                                                                              0
              B. SALARIES - OWNERS/PARTNERS                                                                            0                                                                                              0
              C. EMPLOYEE BENEFITS - EMPLOYEES                                                                         0                                                                                              0
              D. EMPLOYEE BENEFITS - OWNERS/PARTNERS                                                                   0                                                                                              0
              E. PAYROLL TAXES                                                                                         0                                                                                              0
              F. EMPLOYEE EDUCATION                                                                                    0                                                                                              0
              G. OTHER PERSONNEL COSTS                                                                                 0                                                                                              0
              H. SUBTOTAL (SUM A THROUGH G)                                          0               0                 0                0               0                 0                      0                    0
           11. REAL ESTATE MAINTENANCE & SECURITY (INTERNAL)                                                           0                                                                                              0
           EXTERNAL EXPENSE
           12. TITLE PLANT RENT AND MAINTENANCE (EXTERNAL)                                                             0                                                                                              0
           13. ADVERTISING, MARKETING & PROMOTIONAL                                                                    0                                                                                              0
           14. REAL ESTATE (NON-OWNED)
  A. RENTAL EXPENSE                                        0   0
  B. MAINTENANCE, SECURITY, INS, ETC. (EXTERNAL)           0   0
15. REAL ESTATE (OWNED)
  A. DEPRECIATION/MORTGAGE EXPENSE                         0   0
  B. MAINTENANCE, SECURITY, INS, ETC. (EXTERNAL)           0   0
  C. TAXES                                                 0   0
16. TRAVEL
  A.   AIR TRAVEL                                          0   0
  B.   LODGING                                             0   0
  C.   MEALS & ENTERTAINMENT                               0   0
  D.   AUTOMOBILE RENTAL (INCL. INS)                       0   0
  E.   TAXI / TRAIN / BUS / OTHER TRAVEL                   0   0
17. EQUIPMENT DEPRECIATION/LEASE & RELATED EXPENSE
   A. ELECTRONIC DATA PROCESSING                           0   0
   B. AUTOMOBILE                                           0   0
   C. OTHER EQUIPMENT (PRICE > $1000)                      0   0
18. OFFICE SUPPLIES & PRINTING                             0   0
19. POSTAGE, TELEPHONE, MESSENGER & EXPRESS                0   0
20. TITLE FEES - SEARCH/ABSTRACT
  A. PAID TO TITLE AGENTS                                  0   0
  B. PAID TO INSURERS                                      0   0
  C. PAID TO OTHERS                                        0   0
21. TITLE FEES - EXAM
  A. PAID TO TITLE AGENTS                                  0   0
  B. PAID TO INSURERS                                      0   0
  C. PAID TO OTHERS                                        0   0
22. TITLE FEES - SURVEY & OTHER PRODUCTION SERVICES
  A. PAID TO TITLE AGENTS                                  0   0
  B. PAID TO INSURERS                                      0   0
  C. PAID TO OTHERS                                        0   0
23. CLOSING & ESCROW FEES
  A. PAID TO TITLE AGENTS                                  0   0
  B. PAID TO INSURERS                                      0   0
  C. PAID TO OTHERS                                        0   0
24. INSURANCE EXPENSE
  A. E&O & BONDING                                         0   0
  B. OTHER (EXCL. AUTOMOBILE & PROPERTY)                   0   0
25. TAXES, LICENSES & FEES (EXCL. REAL ESTATE TAX & FIT)
  A. NON-POLICYHOLDER                                      0   0
   B. RECORDING, TAX CERTIFICATE, & INSPECTION FEES           0                   0
26. BOARDS & BUREAUS                                          0                   0
27. TRADE CLUBS/ASSOCIATIONS                                  0                   0
28. DIRECTORS' FEES                                           0                   0
29. LEGAL EXPENSE (NON-POLICYHOLDER)                          0                   0
30. ACCOUNTING/AUDITING                                       0                   0
31. INTEREST EXPENSE                                          0                   0
32. BAD DEBT EXPENSE (NET OF RECOVERIES)                      0                   0
33. BUSINESS START-UP EXPENSE                                 0                   0
34. BUSINESS FAILURE EXPENSE                                  0                   0
35. AGGREGATE WRITE-INS FOR MISC. EXPENSES                    0                   0
TOTAL EXPENSE
36. TOTAL EXPENSES INCURRED (SUM 7 THROUGH 35)        0   0   0   0   0   0   0   0
PROFIT
37. NET PROFIT/(LOSS) BEFORE TAX (6 MINUS 36)                 0   0   0   0   0   0
       C
COLUMN NOLUMN O                  COLUMN P                        COLUMN Q             COLUMN R             COLUMN S         COLUMN T             COLUMN U         COLUMN V             COLUMN W       COLUMN X            COLUMN Y
                            REPORTING YEAR 2001                                 Totals from Part1, Line2              Totals from Part1, Line3              Totals from Part1, Line1                                     Reconciliati
         AGE
AGENCY EXPERIENCE REPORT                                                                   0                                     0                                     0
PART 2 - PREMIUM BROKEN DOWN BY INSURER
         NCY
($,000 OMITTED)                                                                 TITLE PREMIUMS                                   TITLE PREMIUMS
                                                                NAIC COMPANY
                                                                  CODE FOR
                  Name of Each Insurer For Which This Agency                                                                                                                                      PREMIUM BALANCES
 Trade                                                         INSURER LISTED                  REMITTED                              RETAINED                              TOTAL
                               Wrote Premiums                                                                                                                                                           OWED
 Secret                                                          IN PREVIOUS                      (3)                                   (4)                                 (5)
                                      (1)                                                                                                                                                                (6)
                                                                   COLUMN
                                                                      (2)




          Total                                                                                       0          0%                         0          0%                          0         0%                      0
     COLUMN AA
COLUMN Z                              COLUMN AB                        COLUMN ACCOLUMN AD COLUMN AE         COLUMN AF                  COLUMN AG                  COLUMN AH                  COLUMN AI                  COLUMN AJ                 COLUMN AK                   COLUMN AL
                                  REPORTING YEAR 2001                                                 Totals from Part1, Line5   Totals from Part1, Line5   Totals from Part1, Line5   Totals from Part1, Line5   Totals from Part1, Line5 Totals from Part1, Line5     Reconciliation to Part 1
                                                                                                                 0                          0                          0                          0                          0                         0
                                                                       ACTIVITY                                                                              ACTIVITY


               AGENCY EXPERIENCE REPORT                                  TITLE
                                                                                                         ALL ACTIVITIES          RTS PROVIDED TO TITLE      RTS PROVIDED TO TITLE      RTS PROVIDED TO NON-
 Trade                                                                   LOSS     PTS    MARKETING                                                                                                                   MISC. ACTIVITIES           ALL ACTIVITIES
 Secret
               PART 3 - OTHER REVENUE ($,000                            FUNDING   (2)       (3)
                                                                                                      EXCLUDING RTS & MISC.       CLIENTS (CLOSING &         CLIENTS (ALL OTHER)           TITLE CLIENTS
                                                                                                                                                                                                                            (8)               (9) = SUM 4,5,6,7,8
                                                                                                               (4)                    ESCROW) (5)                     (6)                       (7)
               OMITTED)                                                    (1)



               ITEMIZE "OTHER REVENUE"
                                                             TOTAL                                                          0                          0                          0                          0                          0                           0
          1.   Investment Income (Due to Delayed Premium Remittance)                                                                                                                                                                                                0
          2.   Investment Income (All Other)                                                                                                                                                                                                                        0
          3.   Abstracting                                                                                                                                                                                                                                          0
          4.   Underwriting Inspection Fees                                                                                                                                                                                                                         0
          5    In-house Copy, Express & Other Fees                                                                                                                                                                                                                  0
          6.   Recording Fees                                                                                                                                                                                                                                       0
          7.   Tax Certificates                                                                                                                                                                                                                                     0
          8    Termite, Building & Other Inspection Fees                                                                                                                                                                                                            0
          9.    Other (itemize)
       AM
COLUMNCOLUMN AN                  COLUMN AO                        COLUMN AP
                             REPORTING YEAR 2001

           AG
           AGENCY EXPERIENCE REPORT
           EN 4 - OTHER CONSIDERATION PAID TO OWNERS & PARTNERS
           PART
           CY
  Trade         OTHER CONSIDERATION PAID TO OWNERS
                                                           AMOUNT ($,000 OMITTED)
  Secret        & PARTNERS

                                                   TOTAL                            0
           1.   Directors Fees
           2.   Exam Fees
           3.   Search Fees
           4.   Closing & Escrow Fees
           5.   Management Fees
           6.   Rents
           7.   Interest
           8.   Other (itemize)
COLUMN AQ                     COLUMN AR                 COLUMN AS COLUMN AT COLUMN AU      COLUMN AV                COLUMN AW                COLUMN AX                 COLUMN AY               COLUMN AZ                COLUMN BA
                          REPORTING YEAR 2001                                        Totals from Part1, Line7CTotals from Part1, Line7CTotals from Part1, Line7CTotals from Part1, Line7CTotals from Part1, Line7C                         Reconciliation to Part1
                                                                                                 0                        0                        0                        0                        0
                                                        ACTIVITY                                                                         ACTIVITY


            AGENCY EXPERIENCE REPORT                     TITLE                                                    RTS PROVIDED TO         RTS PROVIDED TO
                                                                            MARKETIN    ALL ACTIVITIES                                                            RTS PROVIDED TO NON-
 Trade      PART 5A - LOSS & LOSS ADJUSTMENT             LOSS       PTS                                            TITLE CLIENTS         TITLE CLIENTS (ALL                                 MISC. ACTIVITIES           ALL ACTIVITIES
                                                                                G    EXCLUDING RTS & MISC.                                                            TITLE CLIENTS
 Secret     EXPENSES INCURRED BY AGENT                  FUNDING     (2)                                         (CLOSING & ESCROW)             OTHER)                                              (8)               (9) = SUM 4,5,6,7,8
                                                                               (3)            (4)                                                                          (7)
                                                           (1)                                                           (5)                     (6)
            ($,000 OMITTED)

            LOSS AND LOSS ADJUSTMENT EXPENSE
            INCURRED BY AGENT (NET OF RECOVERIES
             1. CLOSING & ESCROW
            FROM INSURERS) LOSSES                                                                                                                                                                                                          0
            2. AGENT SEARCH & EXAM LOSSES                                                                                                                                                                                                  0
            3. ALL OTHER LOSSES                                                                                                                                                                                                            0
            4. LOSS ADJUSTMENT EXPENSE                                                                                                                                                                                                     0
                                                TOTAL                                                       0                        0                        0                       0                        0                           0
      BC
COLUMNCOLUMN BD COLUMN BE              COLUMN BF               COLUMN BG
            REPORTING YEAR 2001
             AGENCY EXPERIENCE
          AGENCY EXPERIENCE REPORT
             REPORT
             PART - - LOSS & LOSS
          PART 5B5B LOSS & LOSS ADJUSTMENT EXPENSES INCURRED BY AGENT
             ADJUSTMENT EXPENSES
 Trade                             LOSS AMOUNT ($,000   LOSS ADJUSTMENT EXPENSE
              DATE OF PAYMENT
 Secret                                 OMITTED)         AMOUNT ($,000 OMITTED)
          ITEMIZATION OF LOSS LOSS ADJUSTMENT EXPENSE
          ITEMIZATION OF LOSS && LOSS ADJUSTMENT EXPENSE PAYMENTS
                          TOTAL                      0                            0
        COLUMN BI
COLUMN BH                        COLUMN BJ             COLUMN BK         COLUMN BL                  COLUMN BM                COLUMN BN                COLUMN BO                  COLUMN BP                COLUMN BQ                COLUMN BR                 COLUMN BS
                             REPORTING YEAR 2001                    Total from Part1, Line35   Total from Part1, Line35 Total from Part1, Line35 Total from Part1, Line35   Total from Part1, Line35 Total from Part1, Line35 Total from Part1, Line35 Total from Part1, Line35       Reconciliation
                                                                              0                          0                         0                        0                         0                         0                        0                        0
                                                      ACTIVITY                                                                                           ACTIVITY
               AGENT'S EXPERIENCE REPORT
               AGENCY EXPERIENCE REPORT                                                                                    ALL ACTIVITIES           RTS PROVIDED TO          RTS PROVIDED TO
               PART 6 - MISC. EXPENSES Round to the    TITLE LOSS                                                                                                                                      RTS PROVIDED TO
  Trade        PART 6 - MISC. EXPENSES                                       PTS                    MARKETING             EXCLUDING RTS &            TITLE CLIENTS          TITLE CLIENTS (ALL                                  MISC. ACTIVITIES          ALL ACTIVITIES
               Nearest the Nearest Dollar)
               (Round toDollar
                                                        FUNDING                                                                                                                                        NON-TITLE CLIENTS
  Secret                                                                     (2)                       (3)                       MISC.            (CLOSING & ESCROW)              OTHER)                                               (8)              (9) = SUM 4,5,6,7,8
                                                           (1)                                                                                                                                                (7)
                                                                                                                           (4) = SUM 1,2,3                 (5)                      (6)

               ITEMIZE "MISC." EXPENSES
               TOTAL ($,000 OMITTED)                                                       0                          0                       0                         0                          0                        0                       0                             0
COLUMN BU                         COLUMN BV                            COLUMN BW        COLUMN BX        COLUMN BY         COLUMN BZ       COLUMN CA        COLUMN CB
                             REPORTING YEAR 2001
            AGENCY EXPERIENCE REPORT
 Trade
 Secret     PART 7 - RESIDENTIAL VS.
            COMMERCIAL SPLIT
                                                                     TOTAL TITLE INSURANCE PREMIUMS OMITTED)
                                                                     TOTAL TITLE INSURANCE PREMIUMS ($,000($,000         ACTUAL NUMBER TRANSACTIONS OR POLICIES ISSUED
                                                                                                                         ACTUAL NUMBER OF OF TRANSACTIONS OR POLICIES
            TYPE OF TRANSACTION OR POLICY ISSUED
                                                                       RESIDENTIAL       COMMERCIAL          TOTAL         RESIDENTIAL     COMMERCIAL         TOTAL
            1.   Original Owners & Leasehold Policies                                                                0                                                   0
            2.   Single Issue Lender's Policies                                                                      0                                                   0
            3.   Construction Loan Policies                                                                          0                                                   0
            4.   Search or Abstract Without Policy Issued by Agent                                                   0                                                   0
                                                           TOTAL                    0               0                0                 0               0                 0
COLUMN CC                  COLUMN CD                      COLUMN CE
                     REPORTING YEAR 2001
            AGENCY EXPERIENCE REPORT
            PART 8A - RECONCILIATION
 Trade
 Secret     OF REPORTED NET INCOME
            TO BOOK INCOME & TAXABLE
            INCOME     ($,000 OMITTED)
            1. Net Income per Part 1                                  0
            2. Adjustments for book income                            0
                a. Charitable contributions
                b. Political contributions and lobbying
                c. Penalties
                d. Depreciation
                e. Income tax expense
                f. Other (attach itemized schedule)
            3. Subtotal 1 and 2                                       0
            4. Book Income




            5. Book/tax adjustments                                   0
                a. Depreciation - tax adjustments
                b. 50% of meals & entertainment
                c. Carry-overs/Carry-backs
                d. Capital gains or losses
                e. Tax exempt income
                f. Other. Please submit an itemized
                schedule by submitting
                supplementary information per
                instructions provided in Title
                Insurance Experience Reporting
                Instructions.
            6. Subtotal 4 and 5                                       0
            7. Taxable Income
COLUMN CF                          COLUMN CG                               COLUMN CH          COLUMN CI           COLUMN CJ           COLUMN CK
                               REPORTING YEAR 2001
            AGENCY EXPERIENCE REPORT
            PART 8B CONVERSION WORKSHEET - RECONCILIATION OF
            REPORTED NET INCOME TO BOOK INCOME & TAXABLE
            INCOME         ($,000 OMITTED)
                                                                                                               Months Included In
                                                                        Most Recent Fiscal Months After Last
 Trade      FISCAL YEAR WORKSHEET                                                                               Prior Experience Total
                                                                        Year               Fiscal Year
 Secret       Used to convert to a calendar year basis, if necessary.                                          Report              (4) = 1 + 2 - 3
                                                                               (1)                   (2)
                                                                                                                        (3)
            Total revenue
            Total expense
            Total income
       CL
COLUMN COLUMN CM                 COLUMN CN                                   COLUMN CO                              COLUMN CP
                            REPORTING YEAR 2001

                                                                                                       COMMENTS:
 Trade                                                         Response ListResponse List              If more space is needed, please provide by
             Agency Questionnaire                                                                                      comments
                                                                                                       submitting supplementary information per
 Secret                                                        Select from the list provided.          instructions provided in Title Agency
                                                                                                       Experience Reporting Instructions.


          1 Affiliation (select all applicable)                 Minority ownership by an insurer.
                                                                Minority ownership of an insurer.
                                                                Majority ownership by an insurer.
                                                                Majority ownership of an insurer.
                                                                 Part ownership by a realtor or real
                                                                 estate agency.
                                                                 Part ownership by a real estate
                                                                 developer.
                                                                 Part ownership by a mortgage
                                                                 Law firm.
                                                                 None of the above (use the next
                                                                 column to explain).
          2 If there is any ownership by an insurer or of an
            insurer, are there any insurer operations on         Ownership by an insurer.
            site? (select all applicable)                        Ownership of an
                                                                 Does not apply.
                                                                 Policy service.
                                                                 Underwriting.
                                                                 Claims.
                                                                 Other (use the next column to
3 In reference to the item above, are shared
                                                     Does not apply.
  expenses by your company fully reimbursed?         Yes, using GAAP cost allocations.
  (select all applicable)                            Yes, using management or service
                                                     contracts.
                                                     No (use the next column to explain).

4 Some title agencies share facilities, employees,   Does not apply
                                                     None
  supplies, etc. with other non-title business       Attorney / law allocations
                                                     Yes, using GAAP cost firm
  activities. Indicate any operation your agency     Lending Institution
  shares with a non-title operation. (select all     Real Estate Broker
  applicable)
                                                     Survey /Engineering
                                                     Tax Service
                                                     Other (use the next column to
5 How do you allocate expenses among the types
                                                     Direct Basis
  of operations shown in Agent's Experience
  Report? Please select each allocation method       Square Footage
  used.                                              Time Studies
                                                     Gross revenues
                                                     Assets
                                                     Other (use the next column to

6 Has the agency commenced operations, ceased
                                                      No
  operations or merged with another entity
  during the reporting year?                          Yes(use the next column to


7 Tax year ending date
 8 Tax status at year end. (select only one)
                                                         C-corporation
                                                         S-corporation
                                                         General Partnership
                                                          Limited Liability Partnership

                                                          Sole Proprietor

                                                          Other (use the next column to
                                                          explain)------------------------->
 9 Did a CPA prepare the Agency Experience
   Report provided?
                                                         Yes
                                                         No(use the next column to
                                                         explain)------------->
10 Does the Agent’s Experience Report reconcile
                                                          No
   to the agency’s Federal Income Tax return?
                                                          Yes(use the next column to
                                                          explain)------------->
11 What is the basis of depreciation of assets used
   in the Agency Experience Report? (Select as           Same as Federal Income Tax
   applicable.)                                          Cash basis (no depreciation)
                                                         Other (use the next column to

12 Regarding “Investment Income (Due to Delayed       (a) Investment Income (Due to Delayed
   Premium Remittance)” from Part 3 of the            Premium Remittance)
   Agency Experience Report, please provide the       (b) Average Agents Balances over
   information shown.                                 Course of Year
                                                      (c) Average Before-Tax Rate of Return
                                                      on Funds
    Premium Remittance)” from Part 3 of the
    Agency Experience Report, please provide the
    information shown.


                                                       (d) Average Remittance Delay (in Days)
                                                       [= a / (b x c) x 365]
13 Are there any unusual events or features of
                                                           No
   your data submission that may have an impact
   on its usefulness for Florida title insurance           Yes(use the next column to
   rate determination?                                     explain)------------->

14 Pursuant to Rule 69O-186.003, F.A.C.,
   Florida’s original title insurance rates                 Too Much
   currently grade downward as the amount of
   insurance increases from less than $100,000 to           Too Little
   over $10 million. In reflecting the relative
   amount of expense and loss potential, do you             Just Right
   believe that the current amount of downward
   gradation is too much, too little, or just right?
   Please attempt to quantify if possible. Also,
   please comment similarly on the amount of
   gradation currently represented in the reissue
   rates, using the Comments column on the right
15 What changes would you recommend to the
   current rates for the various title                     None
   endorsements currently in use in Florida?                I would change..(use the next
                                                            column to explain)--------------->
16 What changes would you recommend to the
   Agency Experience Report? Please enter
   response in Comments column.

								
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