[Kevin]

I believe that any chapter that thinks the rules somehow do not apply to them that actively refuses to do what members of their organization should do should be removed from the organization.

I'm up to the granting of early alum status, suspending charters, making chapters dormant, whatever needs to happen. It's not just about the people that are breaking the rules, it's about the culture within the Greek system. Until HQ's start to really get tough on their chapters trying to change this, insurance is just going to keep heading north.