If anyone is interested, I have a very long document from CAB which is used by theor advisors on shortfall recovery. It is far too long to be posted on this site but I will gladly send copies to anyone e- mailing me directly.(posted 8529 days ago)It contains much of what is on this site but some other interesting stuff and things looked at from a different angle. It also has info about MIG policies etc that may be of use.