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Tom, to a certain extent, LXA does a tier system - nothing truly formal, but I recall seeing Insurance Notices when I was High Pi, and that due to risk management issues ( or good management in that area ) you could have a credit or debit for that area, in addition to others....
LXA is part of the FPIG (I think I have the acronym right) for purchasing power for fraternities for insurance. I think it is call the Fraternity Purchasing Insurance Group - Sigma Chi, SigEp, SAE, and other national fraternities are or were members. That helps to a certain extent, but the common theme on this thread is very simple:
As long as we continue to allow the stereotypical Animal House chapters to function, we, the remaining brothers, pay the price.
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