I can appreciate that, and the great thing about this coverage is that with the down payment, it activates the policy immediately, and as soon as we process it, the policy automatically gets emailed to you.  That way you have your warranty documents immediately and when something does go wrong, your completely taken care of, you know what I mean?

• I can understand that, but we can’t mail out a policy to you without at least a small down payment because what’s happened in the past is people tried using those policies before they were activated to get a claim paid. Now I’m not saying that you would do that, but to make sure all of the claims get paid we only send out policies that have been activated. Does that make sense?

• I can understand that and I’d love to be able to send it out to you without a down payment but unfortunately the only time anybody ever seems to call us back to activate the policy is after they’ve developed a problem and they’re looking at a HUGE repair bill, and of course at that time it’s too late. You know what I mean?

• I can appreciate that and we tried sending out the policies before activation in the past, but unfortunately, most people forgot to call or wanted to wait until after the home developed a problem to activate the coverage, and unfortunately then it’s too late, and your stuck paying huge repairs out of pocket, you know what I mean?