zabbb,, i n otice every time i loan to friend,, i completely trust here,, we are both gettin like 50 points taken on both ends,, seems like alot??? but i would never neeed to use this insurance tho,, when i do this loan with firend, but we keeep gettin penalized?? adn i woiuld never use he mrketplace for someone i couldnt c ompletely trust either,, ok ty,, was just wonderin bout this lately ....