[Nhfulmer]

I know better than to expect collegiates to adhere to all of the policies - believe me, I'm not naive! However, I do recognize the realities - the insurance policy won't cover an incident if those involved were not within the policies. That is why the nationals have to have a large deductible fund - to not only cover the deductibles but to cover (if possible) what the insurance will not cover. Maybe no one except the national officers who actually deal with this in detail understand the reality but, believe me, it is a fact! If you were referring to not hearing of FIPG, I believe it stands for Fraternal Insurance Purchasing Group and it allowed the member groups to purchase insurance at a lower rate if they agreed to adhere to the policies set forth - which were pretty stringent.