And mine was Sagicor. We got the report and it was almost 300 pages long. I will say that they're still my default for what looks like easy (low face) cases. I have plenty approved w/ no issues. However, the client does need to be "cleaner" than traditional field underwriting. Wait until the carriers start running credit reports to see how often you go to the liquor store........... Don't sweat this too much. While it does cause an extra look, some carriers don't care. Sometimes I fell like a few carriers (like Pru) take pride in giving great offers on previous declines.