Hello All! I was curious to know what your thoughts are on writing a waiver for Captive Insurers/Risk Retention Groups and what you have seen with some of the agency lenders (Fannie Mae/Freddie Mac) in regards to these types of waivers. Freddie does not have anything in their guide in regards to the policy holder surplus which is usually a problem with these type of insurers, but Fannie Mae does. Any insight would be greatly appreciated!