What it means, is that Litton Loan forced placed a Lloyd's of London insurance policy on thousands, and here in Wisconsin claimed it was for PMI when I filed a complaint to the Office of Insurance Commissioner, and they are now saying according to GREG LOUGE a Litton Loan Attorney from TN, that it was a "Property Casualty". Yet in this response, it does not say anything about CBASS as also being a NAMED INSURED by Endorsement 30 days prior to a foreclosure. The Policy can't be a PMI in Wisconsin and a "Property Causality" in TN. And, no "Surplus Lines" tax's were paid in any states! No Mr. LOUGE has a very substantial problem, he has offered an opinion on an insurance policy that even in the State of Texas, Litton Loan and SOUTH WEST BUSINESS Corporation have claimed to be a PMI policy. Mr. Louge has a very big surpirse coming! Very soon!