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See, cds, what you are doing is way different than what the mortgage protection people have done in the past, and may be still doing. What they have been known to do is go in there and burn through massive amounts of leads, sell them the mortgage need only, if they don't qualify, screw it, move on. Much like what you described that other agent doing with Banner. See, this is what NAA was known for in the past, hope they still do not operate this way. This is what we are hoping the original poster is reading and absorbing.