BTW - I loved reading the comments by PA AG Tom Corbett.

I think our AG folks here in PA have their heads around the issue. He gets it. The only weakness in the thought process, in my opinion, is that I still do not think they understand the real defalcation picture. Perhaps our industry has swallowed the problem and it's not easily seen by the public. That's a big bank of losses and Mr. Lipshultz was serious when he implied that competition might

BTW - I loved reading the comments by PA AG Tom Corbett.

I think our AG folks here in PA have their heads around the issue. He gets it. The only weakness in the thought process, in my opinion, is that I still do not think they understand the real defalcation picture. Perhaps our industry has swallowed the problem and it's not easily seen by the public. That's a big bank of losses and Mr. Lipshultz was serious when he implied that competition might